Holland Capital Management
Preserve, Strengthen and Grow Your Wealth
What Can Holland Capital Management Do For You?
Financial planning and retirement planning from a CERTIFIED FINANCIAL PLANNER™
An investment management process designed to generate higher after-tax, risk-adjusted returns
Trust advisory, coordinated directly with your existing CPA and private legal counsel (or our vetted recommendations), to help you maximize tax, estate planning and asset protection opportunities
Life insurance, both for protection and advanced financial planning strategies
Flexible lending options so you can tap your wealth when needed without hassles
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Address
15720 Brixham Hill Avenue
Suite 300
Charlotte, NC 28277
United States -
Hours
Monday - 9am-5pm
Tuesday - 9am-5pm
Wednesday - 9am-5pm
Thursday - 9am-5pm
Friday - 9am-5pm -
Phone/Fax
P | (704) 644-1917
F | (980) 500-1531 -
Appointment/Fax
chad@hollandcapitalgroup.com -
Directions
From North/East/West:
Take I-485 to US-521 S/Johnston Rd. Take exit 61 from I-485
15 min (15.1 mi)
Take US-521 and Lancaster Hwy to Ballantyne Medical Pl (turn left) in Charlotte
9 min (4.7 mi)
Continue on Ballantyne Medical Pl to turn right onto Brixham Hill Parkway
From South:
Take US-521 and Lancaster Hwy to Ballantyne Medical Pl (turn left) in Charlotte
9 min (4.7 mi)
Continue on Ballantyne Medical Pl to turn right onto Brixham Hill Parkway
Frequently Asked Questions
How Do I Choose The Right Financial Advisor Near Charlotte?
One of our best pieces of advice is to look for high-quality credentials. For financial planning and retirement planning, you will want to work with a CERTIFIED FINANCIAL PLANNER ™ professional. For investment advisory, it’s wise to look for someone who has attained the CFA ® (or CHARTERED FINANCIAL ANALYST ®) credential.
Then, also be sure to find someone who takes the time to listen to your financial goals and learn what is really important to you. That will help ensure you hire someone who prioritizes your best interests. While it’s important that financial professionals offer advisory services, you also want someone who will support you in achieving your goals.
What Percentage Do Financial Advisers Charge?
What Are The Disadvantages Of Having A Financial Advisor?
There are significant advantages to getting professional financial and investment advice. However, if you don’t select one that is a good fit, then it can be a negative situation. You may end up paying for advice that is counterproductive, costing you fees and time. That’s why it’s critical to do your research upfront.
It’s also important to note that you should seek to work with a firm that provides a financial planning specialist to assist you with an overall plan first. Then, you have a way to judge if the recommendations and financial products you receive from investment advisors are appropriate for your goals and plan.
Is It Worth Paying For A Financial Advisor?
Yes, normally it is, and research on the topic suggests that having a financial advisor serving you can help you achieve higher returns even after fees are considered. One 2019 study by Vanguard estimated that advice can add about 3% per year to your overall returns. [i]
That said, if your advisor offers investment management only, then you may not get enough value, as tax planning and other functions are equally important to your financial results.
If you have a complex financial life, you are likely to realize even more benefits. For example, if you own a small business, a high-quality advisor can offer a business retirement service to help you set up a 401(k) or other plan for you and your valued employees.
Because you have substantial family wealth, you might benefit from using a firm that offers wealth management services geared for high net worth individuals and families.
What Is The Average Cost Of Using A Financial Advisor?
How Do I Find A Good Financial Advisor Near Me?
You can look for a high-quality Charlotte area wealth management firm by doing your research. Here are some important steps to incorporate in your process:
- Does the firm offer the scope of services you need? If you’ve got a complex financial life, you’ll probably want to be sure the firm offers wealth management to ensure you get all the services needed to optimize your resources. Be sure to look beyond just investment management services. You’ll probably want a firm that also offers retirement planning as well as tax minimization, estate planning and other critical services.
- You should check if the firm also services clients who have similar needs to your own. Ask about their clientele and who the most typical client is.
- Do the advisors at the firm in Charlotte act as your fiduciary? If they do, that means they are required to put your interests first. Ask for that in writing, as that is an important protection when you have someone advising you on how to manage your life’s savings.
- Look closely at the fee structure the firm offers. You may want to prioritize a fee-based or fee-only financial advisor to avoid commissions.
- Finally, see if there’s a personal fit. You want an advisor you feel comfortable talking with. Bottom line…take your time to make sure you find the best fit across all these categories.
What Is The Difference Between Financial Advisors And Wealth Advisors?
Is It Smart To Invest With A Financial Advisor?
Your financial future is important. Think about it like your health. If you had something really major arise with your health, do you plan to handle it yourself or go see a doctor? Of course, you go consult an expert with years of training. Why should you treat your financial health differently? After all, you don’t want to find out when you are over 80 that you didn’t handle your money right, precisely when there’s little you can do about it.
Especially as you are nearing retirement, having a professional look at your finances and help make sure you’re prepared is critical. And before that, it’s wise to get professional help to make sure you’re on track to live the life you want. Especially when you don’t have a pension, you will have the burden of managing your own finances to ensure you can live a comfortable future.
Are You Searching For A Financial Advisor In Charlotte, NC?
What Do Fiduciary Financial Advisors Do Differently?
The financial advice industry has two different legal standards, suitability and fiduciary. Larger, brand-name investment management firms are often licensed for the suitability standard, which means they simply have to make recommendations that are suitable for your needs. Fiduciaries, on the other hand, need to always put your interests before theirs.
That difference is very meaningful since an advisor operating under the suitability standard can recommend a more expensive product to you as long as it is suitable. On the other hand, a fiduciary may not do that. They always are required to put your interests first.
The Importance Of Independence
Sometimes, it’s tempting to just walk into a brand-name wealth management firm’s local office, thinking that is the safest choice. After all, as consumers, we frequently equate brand names with quality. In this industry, though, many of the big brand name firms are often publicly held companies. That means that in some cases, the employees owe a fiduciary duty to the shareholders first and foremost, which can mean a focus on profits.
In our view, this has led to a commoditization of office services these firms provide. At the same time, these firms are not always required to act as your fiduciary.
Often an independent firm can be a better choice. These are usually small, fiduciary firms who are required to put your interests first. As boutique firms, they must keep clients happy to succeed. They usually rely on word-of-mouth recommendations. You may find that you receive more personal attention at these smaller firms.
More importantly, independent firms do not usually sell their own products. Unlike brand name advisors who may need to recommend proprietary products, these independent firms are free to recommend cost-effective options that can address your needs.
Additionally, brand name firms can be confusing. If the firm has a bank and a wealth management side, it can be difficult to know who is acting as fiduciary. Many people get a false sense of security, which may not be realistic.