The term 100 Days of Darkness is often used when describing the first 100 days you go through when you bring a newborn baby home from the hospital when you're adjusting to a new normal while your life feels turned upside down with newfound fears, loneliness and boredom, new feelings, and a new sense of purpose. But this concept can also closely relate to your first 100 days of retirement. How? Learn more in this episode of Protect Your Assets. 

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 term 100 Days of Darkness is often used when describing the first 100 days you go through when you bring a newborn baby home from the hospital when you're adjusting to a new normal while your life feels turned upside down with newfound fears, loneliness and boredom, new feelings, and a new sense of purpose. But this concept can also closely relate to your first 100 days of retirement. How? Learn more in this episode of Protect Your Assets. 
You can send your questions to <a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a> for a chance to be answered on air.  
Catch up on past episodes: <a href="http://pyaradio.com/">http://pyaradio.com</a>    
Liberty Group website: <a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a>   
Attend an event: <a href="http://www.pyaevents.com/">www.pyaevents.com</a>  
Schedule a complimentary 15-minute consultation: <a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>

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.

The First 100 Days of Darkness of Your Retirement

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/  

In this episode of&nbsp;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&nbsp;determined, and the differences between fixed and adjustable reverse mortgage options.&nbsp;
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&nbsp;additional&nbsp;flexibility later in life.&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;

Reverse Mortgages Explained with Chris Freck

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/4b78d147-cb8b-437f-8b6c-b40901445504/transcript

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/

The bond market is shifting, and understanding bonds is critical in today&rsquo;s interest rate environment.&nbsp;
In this episode, David Hollander discusses bond basics, including yield, duration, callable bonds, and the yield curve, while explaining how falling interest rates may&nbsp;impact&nbsp;income, portfolio stability, and retirement planning.&nbsp;
If&nbsp;you&rsquo;re&nbsp;holding cash, approaching retirement, or reviewing your fixed income strategy, this episode will help you better understand&nbsp;what&rsquo;s&nbsp;happening and what to consider next.&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>

Bonds Explained: What Today’s Bond Market Means for Investors

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/ad9be2a8-ab28-40b4-a1ed-b401016b5269/transcript

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/  

Is your 401(k) protected from creditors in California, or is that just a myth? In this episode of Protect Your Assets, David Hollander&nbsp;discusses how California&nbsp;creditor-exemption rules may apply to&nbsp;retirement accounts&nbsp;and&nbsp;why&nbsp;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&nbsp;actually interpret&nbsp;these protections.&nbsp;
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&nbsp;determine&nbsp;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.&nbsp;
You can send your questions to <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;

The First 100 Days of Darkness of Your Retirement

Protect Your Assets

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Protect Your Assets

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