David D. Holland, CPA – Confessions of a Financial Planner Secrets to a Secure Retirement

Confessions of a Financial Planner: Secrets to a Secure Retirement
By David D. Holland, CPA

1 – Secrets Audio Introduction (feat. Mike Burke) – 00:14
2 – Mike Mastowski Introduction (feat. Mike Burke) – 00:05
3 – Forward from Mike Mastowski (feat. Mike Mastowski) – 03:04
4 – David D. Holland Introduction (feat. Mike Burke) – 00:04
5 – Preface from David D. Holland – 02:32
6 – Erik Boyle Introduction (feat. Erik Boyle) – 00:04
7 – The Need for Planning (feat. Erik Boyle) – 01:51
8 – Once Upon a Time… (feat. Erik Boyle) – 01:15

9 – The Dead Decade (feat. Erik Boyle) – 01:13
10 – Get with the Program! (feat. Erik Boyle) – 02:10
11 – Do You Want Fries with That? (feat. Erik Boyle) – 01:05
12 – How to Eliminate the Threats to Your Retirement (feat. Erik Boyle) – 01:13
13 – Cash is King (feat. Erik Boyle) – 02:09
14 – Federal Taxation: Unlimited Wants and Limited Resources (feat. Erik Boyle) – 01:51
15 – Who Wants to Play Monkey in the Middle? (feat. Erik Boyle) – 02:18
16 – Sins of the Father and the Daughter (feat. Erik Boyle) – 02:24
17 – Ladies will be doing Finances for Themselves (feat. Erik Boyle) – 02:18
18 – You Can’t Get Milk Tomorrow from the Cow You Eat Today (feat. Erik Boyle) – 02:10
19 – The Fairy Tale of a 6% Withdrawal Rate (feat. Erik Boyle) – 00:56
20 – Bouncing the Check to the Undertaker (feat. Erik Boyle) – 02:31
21 – The Deadliest Way to Catch Your Retirement (feat. Erik Boyle) – 02:15
22 – Every Year You Need More Money to Buy the Same Stuff (feat. Erik Boyle) – 02:29
23 – At Least They Aren’t Charging You to Hold Your Money (feat. Erik Boyle) – 02:25
24 – You Can’t Just Bury Your Money in the Backyard (feat. Erik Boyle) – 02:16
25 – We Have Met the Enemy and He is Us! (feat. Erik Boyle) – 02:34
26 – Innocent Mistakes Versus Bad Advice (feat. Erik Boyle) – 02:23
27 – What Million Dollar Account?! (feat. Erik Boyle) – 02:09
28 – Would You Ever Get Your Car Repaired Without an Estimate? (feat. Erik Boyle) – 02:27
29 – Dealing with the Threats (feat. Erik Boyle) – 00:54
30 – Don’t Let Emotions Ruin Your Retirement (feat. Erik Boyle) – 02:17
31 – The Casino Effect (feat. Erik Boyle) – 03:20
32 – Whatever Happened to Mr. Jones? (feat. Erik Boyle) – 02:32
33 – Live Long and Prosper (by Planning Well) (feat. Erik Boyle) – 00:46
34 – Don’t Fear the Reaper. It is Longevity that can be the Death of You (feat. Erik Boyle) – 01:48
35 – Double Check Before You Tell Your Boss What You Really Think (feat. Erik Boyle) – 02:18
36 – Changing the Tires on the Car while You are Still in the Race (feat. Erik Boyle) – 01:46
37 – Dollar-Cost-Ravaging Only Works in the Movies (feat. Erik Boyle) – 02:04
38 – 12.8% Return…Well, Hello Gorgeous! (feat. Erik Boyle) – 01:08
39 – Danger, Will Robinson! Danger! Here Comes Reality! (feat. Erik Boyle) – 03:26
40 – Gold, Guns, Chickens, and Inflation (feat. Erik Boyle) – 01:40
41 – The Rumors of Inflation’s Death Have Been Greatly Exaggerated (feat. Erik Boyle) – 01:31
42 – Now, for the Rest of the “Inflation” Story (feat. Erik Boyle) – 01:30
43 – What is Hyperinflation? (feat. Erik Boyle) – 01:10
44 – Inflation Vaccination (feat. Erik Boyle) – 01:07
45 – Do You Have Good Investments? (feat. Erik Boyle) – 02:16
46 – 19-Point Investment Inspection (feat. Erik Boyle) – 28:26:00
47 – How to Build a Retirement Income Plan (feat. Erik Boyle) – 02:02
48 – Two Glasses of Wine and the Back of a Napkin Planning (feat. Erik Boyle) – 00:49
49 – Tell Me More about Those Three Steps to Retirement Security (feat. Erik Boyle) – 01:43
50 – Communicate. Relax. Repeat. (feat. Erik Boyle) – 01:57
51 – Putting the Wheels on the Pavement (feat. Erik Boyle) – 04:06
52 – The $326,000 Couple Next Door (feat. Erik Boyle) – 09:00
53 – Commonly Used Investment Strategies (feat. Erik Boyle) – 02:16
54 – The Best of Things and the Worst of Things (feat. Erik Boyle) – 02:36
55 – What are the “At-Risk” Money Choices? (feat. Erik Boyle) – 00:44
56 – What are the “Not-at-Risk” Money Choices? (feat. Erik Boyle) – 00:36
57 – So You Want to Invest? Then I’ve Got Some Questions (feat. Erik Boyle) – 02:05
58 – We Need to Check Your Cholesterol, Lipids, and Risk Tolerance (feat. Erik Boyle) – 02:20
59 – Ever Wonder Why Advisers are So Obsessed with Allocation? (feat. Erik Boyle) – 01:26
60 – Strategic Asset Allocation: How Hot Would You Like It? (feat. Erik Boyle) – 01:14
61 – Signs, Portends, and an Asset Allocation to Match (feat. Erik Boyle) – 01:11
62 – Buy-and-Hold: Long Hauling Ain’t Just for Truckers (feat. Erik Boyle) – 01:43
63 – Three Essential Ingredients for the Buy-and-Hold Recipe (feat. Erik Boyle) – 01:44
64 – It’s Time in the Market, Not Timing the Market (feat. Erik Boyle) – 01:26
65 – Coming to a Theater Near You: Investing in 3D (feat. Erik Boyle) – 01:27
66 – Overview of Investment Securities (feat. Erik Boyle) – 02:12
67 – Do I Hear a Bid for $20? How about $25? (feat. Erik Boyle) – 02:19
68 – Stocks are Worth Only What Someone is Willing to Pay for Them (feat. Erik Boyle) – 02:19
69 – More Return Usually Means More Risk (feat. Erik Boyle) – 01:27
70 – “The Skinny” on Fixed-Income Securities (feat. Erik Boyle) – 00:45
71 – Bonds (feat. Erik Boyle) – 05:50
72 – Looking for Yield in All the Wrong Places (feat. Erik Boyle) – 01:58
73 – Interest Rate Changes have a Big Impact on Fixed-Income Securities – 01:31
74 – Should Fixed-Income Securities Be Part of Your Investment Portfolio? (feat. Erik Boyle) – 01:21
75 – Mutual Funds as Part of Your Retirement Plan (feat. Erik Boyle) – 01:08
76 – Mutual Funds are Like Investment Shopping Carts (feat. Erik Boyle) – 01:27
77 – So What Do They Have to Say for Themselves? (feat. Erik Boyle) – 03:26
78 – How to Pick from 26,000 Mutual Fund Choices (feat. Erik Boyle) – 01:28
79 – Almost, But Not Quite Mutual Funds (feat. Erik Boyle) – 03:12
80 – Investment and Financial Product Fees (feat. Erik Boyle) – 06:46
81 – Some Annuities Have Fees and Some Don’t (feat. Erik Boyle) – 02:24
82 – Should You Bank on Your Bank? (feat. Erik Boyle) – 04:32
83 – Insurance Companies: Big Buildings, Lots of Money (feat. Erik Boyle) – 13:19
84 – The Proper Use of Life Insurance (feat. Erik Boyle) – 01:55
85 – Reasons People Buy Life Insurance (feat. Erik Boyle) – 06:01
86 – Choosing between Term and Permanent Life Insurance (feat. Erik Boyle) – 04:20
87 – Long-Term Care Insurance (feat. Erik Boyle) – 01:12
88 – Seven Out of Every Ten Seniors will Need Long-Term Care Insurance (feat. Erik Boyle) – 00:59
89 – How Will You Pay for Long-Term Care (feat. Erik Boyle) – 02:24
90 – Taxpayers Foot the Bill for Medicaid (feat. Erik Boyle) – 02:06
91 – Your Table is Ready, Sir (feat. Erik Boyle) – 01:56
92 – Think Ahead…Get Long-Term Care Insurance (feat. Erik Boyle) – 01:37
93 – Annuities as Part of Your Retirement Plan (feat. Erik Boyle) – 01:18
94 – 216 Billion Reasons Why Annuities are Popular (feat. Erik Boyle) – 01:12
95 – Immediate Annuities are the Opposite of Life Insurance (feat. Erik Boyle) – 02:06
96 – The Three Types of Deferred Annuities (feat. Erik Boyle) – 01:51
97 – Common Characteristics of Deferred Annuities (feat. Erik Boyle) – 01:44
98 – Taxation of Annuities (feat. Erik Boyle) – 01:24
99 – FAQs about Annuities (feat. Erik Boyle) – 04:08

About the Author

The product of a traditional southern upbringing, David D. Holland grew up in the quiet little town of Bunnell, Florida. Raised by parents who were teachers, and strongly influenced by a grandmother who was a teacher, education was always strongly encouraged in the Holland household.

In 1991, David began his career in the financial field as a CPA for an international accounting firm in Jacksonville. There, he developed a strong sense of responsibility to his clients, which in 1997, led him to begin his own financial services firm, Holland Financial.

Through his daily interaction with clients, David discovered he had a gift for breaking down complex financial terms, products and services into laymen’s terms. Speaking in “plain English” afforded David the opportunity to provide personalized financial advice to hundreds of Volusia and Flagler County residents. He also realized that this kind of communication was missing from much of the literature available to everyday consumers. To educate people about money, planning and the impact it can have on their futures, David wrote two books, Confessions of a Financial Planner: Secrets to a Secure Retirement and How to Get Great Advice & Avoid Financial Scams.

But writing books was just the beginning. Over the years, David has continued to produce materials to help people PlanStrongerâ„¢. He has been a columnist in the Daytona Beach News-Journal, and currently provides pertinent financial guidance every Sunday in their Business section. In 2011, David started hosting the popular weekday radio show Real Money with David Holland. Not long afterward, he produced a series of videos (by the same name) that were broadcast on a local NBC affiliate. These shows are now available to watch on YouTube.

With the advent of mobile devices and tablets, and to consolidate all David’s offerings in one easy to access platform, the Real Money with David Holland app has been released. It is free, and available from your mobile phone store, just search “real money David Holland.”

Though all of these projects keep David very busy, David still spends the majority of his time providing financial advice to retirees, and pre-retirees, at his office in Ormond Beach, Florida. When he is not in the office, he enjoys travel; fitness training and cycling; and personal time with his wife and three children.