Protect Your Assets

In this episode of Protect Your Assets, David Hollander sits down with reverse mortgage specialist Chris Freck to discuss how reverse mortgages work and how they may allow homeowners to access equity while continuing to live in their home. They cover eligibility requirements, how loan amounts are determined, and the differences between fixed and adjustable reverse mortgage options.  David and Chris also walk through real-life examples to explain how reverse mortgages are sometimes used to supplement retirement income, create a line of credit, or provide additional flexibility later in life.  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 bond market is shifting, and understanding bonds is critical in today’s interest rate environment.  In this episode, David Hollander discusses bond basics, including yield, duration, callable bonds, and the yield curve, while explaining how falling interest rates may impact income, portfolio stability, and retirement planning.  If you’re holding cash, approaching retirement, or reviewing your fixed income strategy, this episode will help you better understand what’s happening and what to consider next.  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/

Is your 401(k) protected from creditors in California, or is that just a myth? In this episode of Protect Your Assets, David Hollander discusses how California creditor-exemption rules may apply to retirement accounts and why protection can depend on individual facts and court interpretation. With recent updates under Assembly Bill 2837, effective January 1, 2025, many investors may be surprised to learn how courts actually interpret these protections.  David reviews California Code of Civil Procedure Section 704.115 and key court decisions, including one well-known California case involving a 60-year-old executive in bankruptcy who argued that his retirement accounts should be fully protected from creditors. The court examined his age, income, expenses, and future earning potential before deciding how much, if any, of his retirement savings could be shielded. Through examples like this, David explains how factors such as your age, income, other assets, and proximity to retirement can determine whether your 401(k) is protected. If your retirement account is one of your largest assets, this episode clarifies what you need to know about 401(k) creditor protection in California and where potential risks may exist.  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 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/  

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/  

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/  

A new year is the perfect time to reset your financial habits, and in this episode of Protect Your Assets, David Hollander kicks off 2026 with a financial boot camp. From simple budgeting rules that give every dollar a job to maximizing updated 401(k), Roth, and HSA contribution limits, this episode walks through practical steps you can take right now to strengthen your financial foundation.  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/  

In this special episode of Protect Your Assets, David Hollander sits down with Ethan Agarwal, a technology entrepreneur and candidate for California governor in 2026, for a policy-focused conversation on the state’s economic future. They discuss what it could take to keep innovation and investment in California, including AI infrastructure and manufacturing, modernizing state operations through better technology, improving permitting and regulatory processes, and how policy decisions can influence opportunity across the state.  The conversation also covers the case for regulated and taxed sports betting, ideas for streamlining government services, and perspectives on K–12 education outcomes and workforce readiness.  Important note: This conversation is for informational purposes only. Protect Your Assets and Liberty Wealth Management do not endorse any political candidate, campaign, or party.  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/  

If you’re retiring next year, the details you handle before you give notice can make a meaningful difference.  In this episode of Protect Your Assets, The Sandman walks through what to review before you leave work, including 401(k) matching and vesting schedules (cliff vs. graded), what happens to your HSA and FSA, how PTO payouts work (including California considerations), health coverage choices if you’re retiring before 65 (COBRA, spouse coverage, marketplace plans, and Medicare timing), and key pension options that can impact income and legacy.  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/  

If you’re a federal employee or member of the armed forces, your thrift savings plan (TSP) can be a powerful retirement tool, yet small missteps can lead to missed matching dollars, unnecessary risk, or reduced future income. In this episode of Protect Your Assets, David Hollander breaks down the most common TSP mistakes he sees today, including under-contributing, relying too heavily on the G fund or lifecycle funds, and overlooking how inflation affects conservative allocations.  David also explains the key differences between your TSP withdrawal options, when a rollover may offer more flexibility, and why an incorrect TSP-3 beneficiary form is one of the most damaging errors federal employees make. With timely year-end reminders and practical guidance, this episode helps you make more informed decisions about your TSP and protect what you’ve worked hard to build.  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/  

In this episode of Protect Your Assets, David Hollander breaks down practical year-end tax planning strategies for 2025 in light of the new Big, Beautiful Bill and today’s market volatility. Learn how to use tools like 401(k) contributions, backdoor Roth IRAs, HSAs, capital gains harvesting, and portfolio rebalancing to make your money work harder before December 31.  David also explains how retirees and pre-retirees can approach RMDs and qualified charitable distributions (QCDs), navigate changing healthcare costs, and think through AI-heavy tech exposure in their portfolios. If you’ve been wondering what to do before April 15 to potentially reduce your future tax bill and feel more in control of your retirement income plan, this episode offers clear, actionable guidance you can discuss with your financial and tax professionals.  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/ 

It’s a spooky season in the world of cryptocurrency. In this Halloween special of Protect Your Assets, David Hollander unmasks the scariest cryptocurrency scams haunting investors right now. From “pig-butchering” romance schemes to rug pulls, pump-and-dumps, and fake wallets, David exposes how these tricks work and how to protect yourself from getting ghosted financially. Hear a true story that hit close to home, plus timely insights on the markets, tax deadlines, and why it pays to stay alert before year-end.  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/  

Money is one of the most common sources of tension in marriage, especially when retirement is around the corner. In this episode of Protect Your Assets, David Hollander shares the story of Jim and Francine, a couple weighing whether to remodel their kitchen or step into retirement.  Hear how they learned to align their goals, rebuild communication after past market losses, and develop a plan that reflects both partners’ priorities. David also discusses how the Big, Beautiful Bill may influence taxes and trusts, along with a market update and practical portfolio considerations for year-end.  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 first 100 days of retirement can feel a lot like bringing home a newborn—exciting, uncertain, and full of surprises. In this episode of Protect Your Assets, David  Hollander explains why so many new retirees struggle during this transition and what you can do to prepare. From the loss of routine to changing relationships and financial adjustments, learn how to approach your first 100 days of retirement with clarity and confidence by focusing on five key pillars: income, investments, estate, health, and purpose.  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/  

When your health fails, families often bear the emotional and financial cost. In this episode of Protect Your Assets, David Hollander dives into long-term care planning, from real-life caregiving challenges to understanding the true cost of in-home and facility care. Learn how to evaluate caregivers, what long-term care can cost in California, and how veterans or their spouses may qualify for the VA’s Aid and Attendance benefit to help pay for care.  David also breaks down key RMD strategies for retirees age 73 and older, including how a QLAC can reduce taxable income and delay distributions. Plus, a brief market update and what to watch for as year-end approaches.  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/  

Is pet insurance worth the cost? In this episode of Protect Your Assets, David Hollander breaks down what pet insurance covers, how accident vs. accident-and-illness plans differ, and what to know about deductibles, reimbursement rates, and annual limits. He also highlights exclusions like dental cleanings, how premiums can vary by age and zip code, and options for puppies, kittens, or older pets with pre-existing conditions.  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/  

For many car lovers, a classic or collector car represents memories, passion, and pride. Yet few owners stop to think about what happens to these valuable vehicles when they’re no longer around. In this episode of Protect Your Assets, David Hollander shares how estate planning can help protect both your car collection and your loved ones. He covers the importance of deciding whether heirs should keep or sell a vehicle, how placing cars in a trust can help avoid probate delays, and why appointing a special executor may make sense for unique assets like cars. You’ll also hear how to organize records and appraisals, what to know about capital gains rules and step-up in basis, and when charitable donations might provide tax advantages. Whether you own a single classic car or an entire collection, this episode offers practical guidance on preparing for the future while preserving what matters most. 

This week’s briefing covers a softer labor market, declining Treasury yields, and why the Fed is widely expected to cut rates on September 17. We dig into what fewer job openings could mean for growth, how lower borrowing costs may affect mortgages and corporate activity, and where crude oil might find support after recent weakness. We also preview next week’s CPI and PPI releases, discuss why inflation remains above the Fed’s 2% target, and outline positioning ideas for a volatile September–October stretch. Plus, sectors we currently favor—financials and health care—and a reminder to use pullbacks to rebalance toward quality. 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/ 

Life insurance isn’t just for when you’re working—it can be a powerful tool in retirement. In this episode of Protect Your Assets, host David Hollander, The Sandman, breaks down whether retirees should keep their life insurance policies, how required minimum distributions (RMDs) can be converted into tax-free wealth for heirs, and why today’s interest rate environment may offer opportunities to upgrade existing coverage.  You’ll also learn:  The key differences between term and permanent life insurance in retirement.  How life insurance can supplement retirement income and provide long-term care benefits.  Strategies for using life insurance to offset taxes, protect your spouse, or strengthen your estate plan.  Tips for qualifying for coverage after age 65 and why underwriting rules matter.  Whether you’re approaching retirement or already there, this episode will help you evaluate your current policies, uncover hidden value, and decide if life insurance still belongs in your financial plan.    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/  

Are you confident your advisor is covering everything that matters for your retirement? In this episode of Protect Your Assets, David Hollander walks through a practical financial advisor checklist, including eight signs that reveal whether your advisor is truly providing comprehensive planning or just focusing on investments. From tax planning and Roth conversions to income strategies and team support, discover what could be missing from your plan and how to spot the red flags before it’s too late.  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/  

Thinking about a Roth IRA conversion in 2025? With tax rates locked in and new deductions available under the Big, Beautiful Bill, this year could be an ideal time to move funds from a traditional IRA or 401(k) into a tax-free Roth IRA. But timing is everything, and making the wrong move could increase your Medicare premiums or push you into a higher tax bracket. In this episode of Protect Your Assets, David Hollander explains how Roth conversions work, the benefits and risks in today’s tax environment, and strategies to determine the right amount to convert.  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/  

Considering retirement in the near future, or already there? In this episode, David Hollander shares highlights from Liberty Group’s 34-point Retirement Checklist Challenge. The list covers questions about income planning, inflation, Social Security, real estate, and more, designed to help you think through the complexities of retirement. This episode offers a chance to evaluate where you stand and what steps may be worth considering next.  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 2017 tax cuts are no longer temporary. The Big, Beautiful Bill has locked in some provisions while introducing new rules, revised deductions, and expiration dates that affect income, charitable giving, estate planning, and retirement strategies.  In this episode of Protect Your Assets, David Hollander discusses:  Changes to tax brackets, deductions, and exemptions beginning in 2025 and beyond  How new rules may affect charitable contributions, gifting, and capital gain planning  Key considerations for trusts, Roth conversions, and required minimum distributions  Recent developments in stablecoins and crypto legislation  This episode highlights timelines and considerations to discuss with your financial, legal, or tax professional as you review your own plan.  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/  

What are the retirement blind spots many people fail to consider? In this episode of Protect Your Assets, David Hollander explores five commonly missed areas that can impact your retirement experience; such as outdated estate planning, shifting tax laws, rising healthcare costs, underestimated longevity, and a potential loss of purpose post-retirement. He also discusses how the new “Big, Beautiful Bill” may affect existing trust structures. Understanding these blind spots can offer useful perspective as you evaluate your retirement plans.  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/  

Turning 65 soon? You’re not alone in worrying about outliving your savings. In this episode of Protect Your Assets, David Hollander, The Sandman, breaks down the seven most common mistakes that can quietly derail your retirement plans. From imbalanced portfolios to income stream gaps, healthcare costs, and spending patterns, we explore how small missteps can snowball over time. Whether you’re approaching retirement or helping a loved one prepare, this episode offers clarity around the risks and choices that matter most.  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/  

In this Fourth of July weekend episode of Protect Your Assets, David Hollander considers what financial freedom means in retirement, and the often-overlooked role of retirement health care costs. From navigating Medicare and long-term care options to assessing how health-related expenses may impact your retirement strategy, this episode offers a range of considerations to keep in mind. David also shares thoughts on recent economic developments, market trends, and the potential effects of the new Big, Beautiful Bill. Whether you’re approaching retirement or simply preparing for the future, this conversation is designed to help you think critically about what lies ahead.  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/  

Teaching kids about money is one of the most valuable gifts you can give them, and summer is the perfect time to start. In this episode of Protect Your Assets, David Hollander breaks down six essential lessons to help your children or grandchildren build healthy financial habits early.  You’ll learn how to:  Talk about earning, saving, and spending in relatable terms Set up their first bank account or Roth IRA Encourage entrepreneurship through simple side hustles Turn everyday moments into teachable financial insights Help them avoid common mistakes with practical, age-appropriate tools  If you’re a parent or grandparent looking for an easy way to start teaching kids about money, this episode is packed with actionable advice.  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/  

What do wealthy retirees do differently when it comes to spending, investing, and managing their financial future? In this episode of Protect Your Assets, David Hollander shares key lessons from decades of working with high-net-worth clients. You’ll hear insights on purposeful spending, systematic investing, team-based planning, debt strategies, and staying ahead of tax changes. Plus, David covers current market updates, crypto milestones, and signs of a cooling labor market.  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/  

Thinking about selling your business? In this episode of Protect Your Assets, David Hollander discusses key considerations for business owners preparing for a potential sale. From cleaning up your books to understanding valuation methods like EBITDA and discounted cash flow, you’ll learn how to navigate the transition thoughtfully.  David also explores tax implications, legal planning, and how to approach the emotional side of letting go of a company you've spent years building. Whether you’ve received a call from a private equity firm or you’re just beginning to consider your next chapter, this episode offers practical insights from over 30 years of working with business owners at every stage of the exit process.  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/  

On this episode of Protect Your Assets, David Hollander delves into the challenges ofgenerational wealth planning and how to avoid the so-called third-generation curse. Discover the key mistakes that can unravel even the largest estates and learn proactive steps to keep your wealth growing for generations to come. From outdated estate plans to business continuity strategies and tax law changes, this episode covers essential considerations for anyone hoping to preserve family wealth and values.  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/  

With interest rates projected to fall in 2025, many investors are taking a closer look at what they consider “safe” money—particularly bonds and other fixed income investments. In this episode of Protect Your Assets, David Hollander explains how rate shifts may impact the performance of these traditionally conservative assets. You'll also hear a breakdown of key terms to know when reviewing bond holdings and why international diversification is gaining renewed attention this year.  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/  

Are you exploring ways to retire early but feeling uncertain about income, savings, or market volatility? In this episode of Protect Your Assets, David Hollander outlines five early retirement strategies that may help you better prepare for the road ahead. From maximizing contributions to tax-advantaged accounts to reassessing lifestyle expenses, discover approaches that could support an earlier transition out of the workforce. Whether you're just beginning to plan or refining your strategy, this episode offers ideas to help you think through your options.  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/  

Thinking about retiring or leaving your job? Before you take that leap, there are a few important things to understand. In this episode of Protect Your Assets, David Hollander—also known as The Sandman—walks through what to do before you retire from your job, including how to handle 401(k) vesting, unused PTO, HSAs, FSAs, and healthcare options. If you’ve been wondering how to transition out of your job without leaving money behind, this episode offers helpful insight and questions to consider.  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/  

Losing a spouse often means stepping into unfamiliar financial territory at a time when decision-making may feel overwhelming. In this episode of Protect Your Assets, David Hollander, joined by his daughter and Wealth Advisor Claire Hollander, offers thoughtful guidance on how widows can begin navigating their financial life after loss. They explore practical first steps, including organizing key documents, reviewing beneficiary designations, and revisiting your investment strategy to reflect your new needs.  Whether you're newly widowed or supporting someone who is, this episode offers a structured approach to addressing financial questions with clarity and care.  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/    

When David’s client Jim was making sandwiches with his eighth-grade daughter, Jessica, he didn’t expect a lesson on bear markets. But her surprising questions led to a deeper conversation about market downturns, retirement, and what it all really means. In this episode of Protect Your Assets, David “The Sandman” Hollander explains key facts about bear markets, shares insights on recent volatility, and challenges listeners with a quiz. Can you beat an eighth grader?  From the bull and bear cases to the impact of tariffs and recessions, tune in for a timely look at what’s driving today’s headlines.  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/    

After 25 years on the job, Frank was laid off—and he’s not the only one. With more layoffs happening across the Bay Area, many are left wondering what to do next, especially when it comes to retirement savings like 401(k)s, 403(b)s, or 457 plans.  In this episode of Protect Your Assets, David Hollander, The Sandman, shares five key considerations for those facing job loss and weighing their retirement account options. From understanding plan restrictions to exploring rollover choices and potential tax implications, this episode offers perspective on the decisions many are navigating right now.  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/ 

In this episode of Protect Your Assets, David Hollander discusses five key considerations for strengthening your 401(k) in today’s uncertain market. With insights on interest rates, Fed policy, and economic trends, the episode offers practical strategies to help you reassess your retirement planning, reduce risk, and better position your portfolio for the years ahead.  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/  

Will Social Security be there when you need it? In this episode of Protect Your Assets, The Sandman, David Hollander, unpacks recent developments, including privatization discussions and new database access. With so many strategies for claiming benefits, understanding your options is key. Tune in for insights on what could be changing in 2025 and what to consider when planning for 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/  

In this episode of Protect Your Assets, host David Hollander discusses the role of annuities in navigating market volatility and protecting your wealth. He provides an in-depth look at fixed index annuities (FIAs) and multi-year guaranteed annuities (MYGAs), comparing them to other investment options like CDs. The episode also addresses common myths surrounding annuities, including misconceptions about death benefits and fees. Hollander explains the importance of understanding annuity fees, beneficiary designations, and how they can fit into a diversified investment strategy. Tune in for a clear breakdown of how annuities can be used to protect your retirement and help manage risk.  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/  

Markets are shifting—are you ready? With economic uncertainty on the rise, understanding alternative investments is more crucial than ever. In this episode of Protect Your Assets, David Hollander, The Sandman, breaks down how sectors like European stocks, healthcare, and bonds are performing, along with private markets and liquid alternatives that could help manage risk. Through real-world examples and David’s insights, gain a clearer perspective on today’s evolving investment landscape. Don’t miss key takeaways that can help you stay ahead in a rapidly changing economy.  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/  

In this episode of Protect Your Assets, David Hollander, The Sandman, wraps up the Retirement Boot Camp series by exploring how health and wellness impact your ability to enjoy your wealth. Joined by health advocate Sheila Hollander and hyperbaric therapy professional Alex Williams, David shares practical tips on better nutrition, fasting, hydration, and cutting-edge therapies. Later, his daughter Jackie Hollander offers insights on the transformative power of music and festivals for mental and emotional well-being.    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/

Join David Hollander, aka The Sandman, for the latest episode of Protect Your Assets, where he discusses strategies to help you approach the financial uncertainties of 2025. Explore the impact of inflation, interest rates, and common investment mistakes. Gain insights on aligning your financial approach with the changing landscape. This retirement boot camp episode offers practical information to support your financial planning for the year ahead. Your mission starts now!  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/  

Start 2025 by exploring practical strategies to enhance your financial planning. In this advanced session of our New Year’s resolution financial boot camp, David Hollander, The Sandman, discusses ways to adapt to the changing tax landscape, approaches to Roth conversions, and considerations for retirement income planning. With real-life examples and timely insights, this episode provides valuable tools to help you make informed decisions for the year ahead. Tune in to learn more about opportunities that could align with your financial goals.  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/  

Start 2025 by reevaluating your financial strategies. In this episode of Protect Your Assets, The Sandman, David Hollander, explores foundational steps for managing your finances in the new year. From rethinking budgeting approaches to considering retirement goals, this episode offers insights to help you assess your current plans. You'll also hear updates on market trends, property taxes, and ways to adapt to ongoing economic changes. Join us for a practical discussion aimed at helping you feel more prepared for the road ahead.  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/    

When the paychecks stop, it’s important to know where your retirement income might come from. In this episode of Protect Your Assets, David Hollander explores 12 potential income sources for retirees and highlights how different types of income can be taxed. From Social Security to 401(k) withdrawals, real estate income, and even life insurance, David provides insights to help you navigate your options. Listen in for practical tips on approaching retirement income with confidence.    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/  

What if your next chapter involved following your passion and even making a movie about it? This week on Protect Your Assets, David Hollander, The Sandman, dives into a fascinating discussion with Sam Ball, director and co-founder of Citizen Film. Together, they explore Sam’s latest documentary project, Racing on the Spectrum, which highlights the remarkable journeys of professional race car drivers on the autism spectrum. Discover how these drivers turn their unique traits into strengths on the track and how their stories challenge stigmas and celebrate individuality. Plus, learn how you can support impactful projects like this through charitable giving and tax-efficient strategies as the year draws to a close.  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/

This week on the Protect Your Assets Market Briefing, David Hollander, a.k.a. The Sandman, breaks down the market’s latest movements, from equities taking a breather to bond yields climbing and oil prices dipping below key support levels. With inflation, tariffs, and a new government driving uncertainty, David shares insights on what to expect as we approach year-end and head into the first quarter. He also addresses common concerns about tariffs and explains why they may not have the long-term impact you fear.   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/