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/  

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&mdash;also known as The Sandman&mdash;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&rsquo;ve been wondering how to transition out of your job without leaving money behind, this episode offers helpful insight and questions to consider.&nbsp;
You can send your questions to <a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a> for a chance to be answered on air.&nbsp;&nbsp;
Catch up on past episodes: <a href="http://pyaradio.com">http://pyaradio.com</a>&nbsp; &nbsp; Liberty Group website: <a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a>&nbsp; &nbsp; Attend an event: <a href="http://www.pyaevents.com/">www.pyaevents.com</a>&nbsp;&nbsp;
Schedule a complimentary 15-minute consultation: <a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>&nbsp;&nbsp;

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

KNBR is the THE Sports Leader and official radio home of the San Francisco Giants and San Francisco 49ers!

KNBR Podcast

Protect Your Assets with Liberty Group's David Hollander.

What to Do Before You Retire from Your Job: Key Steps to Take Now

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/  

In this special episode of&nbsp;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&rsquo;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.&nbsp;
The conversation also covers the case for regulated and taxed sports betting, ideas for streamlining government services, and perspectives on K&ndash;12 education outcomes and workforce readiness.&nbsp;
Important note:&nbsp;This conversation is for informational purposes only.&nbsp;Protect Your Assets and Liberty Wealth Management&nbsp;do&nbsp;not endorse any political candidate, campaign, or party.&nbsp;
You can send your questions to&nbsp;<a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a> 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;

Innovation, Jobs, and the California Economy: An Interview with Ethan Agarwal

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&nbsp;you&rsquo;re&nbsp;retiring next year, the details you handle before you give notice can make a meaningful difference.&nbsp;
In this episode of&nbsp;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&rsquo;re retiring before 65 (COBRA, spouse coverage, marketplace plans, and Medicare timing), and key pension options that can impact income and legacy.&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;

Retiring Next Year? What to Do Before You Quit Your Job 

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/  

If&nbsp;you&rsquo;re&nbsp;a federal employee or member of the armed forces, your&nbsp;thrift&nbsp;savings&nbsp;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&nbsp;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.&nbsp;
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&nbsp;timely&nbsp;year-end reminders and practical guidance, this episode helps you make more informed decisions about your TSP and protect what&nbsp;you&rsquo;ve&nbsp;worked hard to build.&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;

What to Do Before You Retire from Your Job: Key Steps to Take Now

In 2 playlist(s)

Protect Your Assets

Social links

Follow podcast

Recent clips