2023 is off to a strong start for consumer spending. Even though the economy started on solid footing in January, the unexpected consumer strength, the tight labor market, and inflation, which keeps hanging in there, is challenging the Fed to keep interest rates higher for longer. Hear the rest of The Sandman’s market report.

2023 is off to a strong start for consumer spending. Even though the economy started on solid footing in January, the unexpected consumer strength, the tight labor market, and inflation, which keeps hanging in there, is challenging the Fed to keep interest rates higher for longer. Hear the rest of The Sandman’s market report.

David Hollander, The Sandman℠, helps his listeners sleep well at night because they know their assets are protected. Financial and investment services offered through Liberty Wealth Management & Liberty Group LLC.

David Hollander, The Sandman℠, helps his listeners sleep well at night because they know their assets are protected. Financial and investment services offered through Liberty Wealth Management &amp; Liberty Group LLC.

Protect Your Assets

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Protect Your Assets with Liberty Group's David Hollander.

Market Segment: Positive Trend in Consumer Spending So Far in 2023

Choosing a financial advisor is one of the most important decisions you’ll make as you approach retirement. But how do you know if you’re hiring the right person? 

In this Valentine’s Day special of Protect Your Assets, David Hollander, The Sandman, explains why hiring a financial advisor is a lot like dating. Chemistry and trust matter, and asking the right questions upfront can help you avoid costly mistakes later. 

David covers the number one mistake people make when hiring a financial advisor, why focusing only on past performance can be misleading, and the key difference between a fiduciary and a suitability standard. He also discusses how to evaluate credentials, understand advisory fees, and determine whether an advisor truly aligns with your long-term retirement income and tax strategy. 

You can send your questions to questions@pyaradio.com for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

Choosing a financial advisor is one of the most important decisions&nbsp;you&rsquo;ll&nbsp;make as you approach retirement. But how do you know if&nbsp;you&rsquo;re&nbsp;hiring the right person?&nbsp;
In this Valentine&rsquo;s Day special of&nbsp;Protect Your Assets, David Hollander, The Sandman, explains why hiring a financial advisor is a lot like dating. Chemistry and trust&nbsp;matter, and&nbsp;asking the right questions upfront can help you avoid costly mistakes later.&nbsp;
David covers the number one mistake people make when hiring a financial advisor, why focusing only on past performance can be misleading, and the key difference between a fiduciary and a suitability standard. He also discusses how to evaluate credentials, understand advisory fees, and&nbsp;determine&nbsp;whether an advisor truly aligns with your long-term retirement income and tax strategy.&nbsp;
You can send your questions to&nbsp;<a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a>&nbsp;for a chance to be answered on air.&nbsp;&nbsp;
Catch up on past episodes:&nbsp;<a href="http://pyaradio.com">http://pyaradio.com</a> &nbsp;&nbsp;&nbsp; Liberty Group website:&nbsp;<a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a> &nbsp;&nbsp; Attend an event:&nbsp;<a href="http://www.pyaevents.com/">www.pyaevents.com</a>&nbsp;&nbsp;
Schedule a complimentary 15-minute consultation:&nbsp;<a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>&nbsp;&nbsp;

How to Choose a Financial Advisor: 5 Questions to Ask Before You Commit

Annuities are often misunderstood, yet they continue to be part of many retirement planning conversations. In this episode of Protect Your Assets, David Hollander walks through annuities in clear, practical terms and explains how different types work. The discussion covers the differences between fixed annuities, fixed indexed annuities, and registered index-linked annuities (RILAs), along with how annuities are commonly used alongside other retirement planning tools.  

Listeners will also learn about key trade-offs to consider, including caps, participation rates, buffers, and surrender periods, as well as how annuities compare to bonds and other income-focused options. The episode addresses common myths about annuities and highlights important questions to ask before considering whether one may be appropriate, emphasizing that suitability depends on individual circumstances. 

You can send your questions to questions@pyaradio.com for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

Annuities are often misunderstood, yet they continue to be part of many retirement planning conversations. In this episode of&nbsp;Protect Your Assets, David Hollander walks through annuities in clear, practical terms and explains how different&nbsp;types&nbsp;work. The discussion covers the differences between fixed annuities, fixed indexed annuities, and registered index-linked annuities (RILAs), along with how annuities are commonly used alongside other retirement planning tools.&nbsp;&nbsp;
Listeners will also learn about key trade-offs to consider, including caps, participation rates, buffers, and surrender periods, as well as how annuities compare to bonds and other income-focused options. The episode addresses common myths about annuities and highlights important questions to ask before considering whether one may be&nbsp;appropriate, emphasizing that suitability depends on individual circumstances.&nbsp;
You can send your questions to&nbsp;<a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a>&nbsp;for a chance to be answered on air.&nbsp;&nbsp;
Catch up on past episodes:&nbsp;<a href="http://pyaradio.com">http://pyaradio.com</a> &nbsp;&nbsp;&nbsp; Liberty Group website:&nbsp;<a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a> &nbsp;&nbsp; Attend an event:&nbsp;<a href="http://www.pyaevents.com/">www.pyaevents.com</a>&nbsp;&nbsp;
Schedule a complimentary 15-minute consultation:&nbsp;<a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>&nbsp;&nbsp;

Annuities 101: How Different Annuities Work and What to Know Before Considering One

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/fb12f19b-7e4e-4e06-9698-b3e6014c78c6/transcript

The New Year’s resolution Financial Boot Camp continues with an advanced look at 2026 tax planning and how recent tax law changes may affect retirement and income decisions. 

In this episode of Protect Your Assets, David Hollander walks through updated tax rules and planning considerations involving IRAs, 401(k)s, Roth strategies, and required minimum distributions (RMDs). The discussion highlights scenarios where RMD timing, rollover decisions, and Roth conversions may warrant closer review, particularly for individuals approaching or already in retirement. 

You can send your questions to questions@pyaradio.com for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

The New Year&rsquo;s resolution Financial Boot Camp continues with an advanced look at 2026 tax planning and how recent tax law changes may affect retirement and income decisions.&nbsp;
In this episode of&nbsp;Protect Your Assets, David Hollander walks through updated tax rules and planning considerations involving IRAs, 401(k)s, Roth strategies, and required minimum distributions (RMDs). The discussion highlights scenarios where RMD timing, rollover decisions, and Roth conversions may warrant closer review, particularly for individuals approaching or already in retirement.&nbsp;
You can send your questions to&nbsp;<a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a>&nbsp;for a chance to be answered on air.&nbsp;&nbsp;
Catch up on past episodes:&nbsp;<a href="http://pyaradio.com">http://pyaradio.com</a> &nbsp;&nbsp;&nbsp; Liberty Group website:&nbsp;<a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a> &nbsp;&nbsp; Attend an event:&nbsp;<a href="http://www.pyaevents.com/">www.pyaevents.com</a>&nbsp;&nbsp;
Schedule a complimentary 15-minute consultation:&nbsp;<a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>&nbsp;&nbsp;

Market Segment: Positive Trend in Consumer Spending So Far in 2023

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