Protect Your Assets

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/  See omnystudio.com/listener for privacy information.

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/ See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

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/ See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.

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/  See omnystudio.com/listener for privacy information.