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- David Holland

 

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Educational Resources from Holland Financial to Help You PlanStronger™

PlanStronger TV

PlanStrongerTV™

David Holland, CPA, CFP®, hosts PlanStrongerTV™, a financial variety program featuring fascinating guests and a wide array of topics – from the psychology of money to retirement planning to estate planning. Make David Holland your source for interesting information that affects your pocketbook and helps you PlanStronger™ for your financial future.

Watch a promo for an upcoming episode below or click on More PlanStrongerTV™ to explore more previews and guest interviews from episodes of PlanStrongerTV™.

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The Written Word

David Holland is an author and a financial columnist.

Weekly PlanStronger™ Column

David Holland writes a weekly column on personal finance. You can read his latest column, or peruse the Archives, at www.HollandColumn.com. David has written columns on a wide variety of topics related to retirement planning and managing your personal finances. In the Archives, you will find valuable information (in plain English!) on retirement income planning, investing, life insurance, long-term care, and many more financial topics. These are issues that affect almost everyone.

Column Archives »

Read the Latest PlanStronger™ Column

What to Do with Excess Money?

By David D. Holland

Despite the fact that a lot of people would like to have this problem, many retirees are faced with the dilemma of being forced to take Required Minimum Distributions (RMDs) from IRA accounts and not knowing what to do with the money. I received this question (text slightly modified and name changed) from a PlanStrongerTV™ viewer:

My husband and I are retired and our income is Social Security and a small pension. We can pay all our bills on this income (unless we have some crisis, like buying a new air conditioner). We now have to take annual RMD payments, which, combined between my husband and me, are around $15,000 a year, after taxes. We don't know what to do with this money, so we put it in our money market account at our bank. The interest paid is about $4.00 a month. I go over to the bank every quarter and ask for an upgrade, which brings the interest payment up slightly. My question is, what should we invest the RMD money in that would make the money grow?  – Ramona

Hi, Ramona. Thanks for writing. I’ll break your question into two parts:

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Confessions of a Financial Planner Book Series

David has also written two books in his Confessions of a Financial Planner series: Secrets to a Secure Retirement and How to Get Great Advice & Avoid Financial Scams. The mission of this series is to provide easily accessible information on a wide variety of topics concerning personal finance. Everyone is affected by money issues and, yet, there are few resources available to answer even the most basic of questions in Plain English. It is David's goal to write books that anyone, from any walk of life, can pick up and relate to. He keeps it simple and doesn't use industry jargon to talk over the reader's head.

We Can Help You PlanStronger™ for Your Financial Future and Retirement

Social Security Optimization: What it can mean for you.

Holland Financial can help you review your options. Don't let a simple mistake prevent you from receiving all the benefits you've earned. Call 386-671-PLAN(7526) for your one-on-one appointment. We can do a personalized analysis for you.

Retirement Income Strategies: Do you have a strategy?

Planning is part of your everyday life. Vacations, weddings, parties – all are events you’ve taken time and effort to prepare for and organize. Your retirement should be no different … so, take just one hour to PlanStronger™. Learn more about our planning process....

Social Security Optimization

Investment Review: We go under the hood for a 19-Point Inspection

Holland Financial will prepare an objective review of your current investments and financial position. Our analysis examines each component of your current portfolio to determine if improvements can be made. If everything is fine as it is, we will tell you so. Learn more about how we can help you to PlanStronger™.

19 Point Inspection

 

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© 2017 Holland Productions, Inc. · Privacy ·

Investment advisory services are offered through Holland Advisory Services, Inc., a registered investment advisory firm. Insurance products are offered through Holland Insurance Services, Inc. Tax preparation services are offered through Holland Tax & Accounting Services, Inc. These separate, affiliated companies share common ownership under Holland Financial, Inc. Nothing contained herein should be considered investment, insurance, tax, or legal advice. Views expressed concerning specific securities are not an offer to buy or sell. Investment advice and planning services can only be given after an analysis of an individual's situation and only where Holland Advisory Services is registered or exempt from registering. Reverse mortgage loan origination services are offered through Holland Mortgage Services, Inc. (NMLS #1432962), a Florida licensed mortgage broker and a subsidiary of Holland Financial, Inc. David Holland is a licensed loan originator (NMLS #1184596). www.NMLSConsumerAccess.org

David D. Holland, CPA, can act as trustee or successor trustee for clients' estates. These services are provided by David Holland in an individual capacity. Neither Holland Financial, Inc., nor its subsidiaries, is a trust company or bank. Accordingly, estate and trust services are separate and distinct from the financial services available from Holland Financial, Inc.'s subsidiaries. David Holland is not an attorney and does not offer legal advice or prepare legal documents. Clients are encouraged to seek legal advice from an attorney of their choosing regarding their estate planning, as well as the documents they may need to accomplish their objectives.