Why Choose Holland Capital Management for Financial Planning in Charlotte, NC?

Chad Holland |

When you’re looking for financial planning in Charlotte, NC, you face a dizzying array of choices.  You’re wise to be researching the topic.  That’s because it is critical to choose the right partner to help you navigate the complex world of wealth management. Holland Capital Management is one of many choices for financial planners in the region.  In this article, we’ll help you understand your choices and learn if Holland Capital might be right for you.  

Who’s Watching Your Wealth? 

While there are many excellent financial planning providers in Charlotte NC, we believe there is one area of concern.  Far too little attention is paid to wealth preservation.  After all, you’ve worked to build your assets…. your wealth should not be simply left to the whims of volatile markets.  In our opinion, too many financial advisors take a passive approach, telling you to simply buy and hold through all types of market conditions.  But that may mean you’re dealing with larger losses than you’d prefer. 
At Holland Capital Management, we believe a financial planner has the responsibility to help you protect your money as well as grow it.  So, we help you preserve, strengthen and grow your money in all market conditions.  That means a primary focus on risk management, so you can aim to minimize losses while also pursuing opportunities for sustainable growth.  

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We accomplish that goal by offering a personalized approach that stands out in a commoditized industry. By acting as your financial planning partner, we help you methodically plan to achieve your financial goals, then strive to help you make your visions a reality.    

The Challenge of Personalization in Financial Planning

Even with numerous choices available when hiring a financial advisor, the financial planning landscape in Charlotte, NC, includes a common denominator: commoditization.  In their pursuit of managing wealth efficiently, firms often tend to default to a cookie-cutter approach. 

This is something to be wary of as a client, since in the financial realm, one size does not fit all.  Instead, personalization is a must, so that you receive customized attention in the areas where you need help most. 

Despite claims of customized wealth management, reality often leans toward simplistic, automated financial planning tools and passive mutual fund-based portfolios and target date funds. But here’s the problem:  these simplistic approaches don’t necessarily lend themselves to effectively managing risk.  Instead, you’re invested into strategies that are appropriate for millions of people in your very general age group.  That doesn’t take into account much about your life, your goals or your responsibilities.  That’s why you will usually do far better with customized allocation models and strategies, not mass-market approaches. 

How Holland Capital Management Excels in Providing Personalized Solutions

In the commoditized financial planning landscape in Charlotte, NC, Holland Capital Management takes a different approach.  Recognizing that personalization is not just a luxury but a necessity, we go far beyond the industry's standard offerings. 

We provide a different experience by crafting individualized investment and financial planning solutions that address each client's unique financial needs and aspirations. By avoiding generic, automated models, we strive to manage your risks more effectively.  And, our custom portfolios are built for your specific needs to help you better withstand market volatility.

Navigating the Pitfalls: Our Approach to Personalization

At Holland Capital Management, personalization is not merely a buzzword.  Instead, it's a foundational principle embedded in our approach to financial planning and management of your wealth. We understand that more than a cookie-cutter strategy is required when managing the intricacies of your personal finance needs. 

We leverage our expertise to actively engage clients to comprehend their goals, risk tolerances, and timelines. This hands-on approach allows us to create tailored financial plans that help address your needs and inspire action.  

By steering clear of automated, generic solutions, we empower you to navigate the financial landscape with confidence. The personalized roadmap we provide helps you stay confident and resilient in the face of market uncertainties.

Dual Focus on Protection and Growth 

Too often, the financial industry focuses on short-term gains.  This sounds good in theory, but unfortunately can leave you vulnerable during market downturns.  With less attention paid to capital preservation and defense, often the lasting impact that market downturns can inflict on compound returns is downplayed. You are sometimes just told to “wait it out”. That typical advice leaves investors at the mercy of volatile market conditions and bear markets, which can harm your long term wealth building efforts. 

At Holland Capital Management, we challenge this passive approach. Instead, our goal is to help you achieve sustainable long-term gains.  Our North Carolina-based Registered Investment Advisor (RIA) organization is committed to helping high-income and high-net-worth individuals safeguard their wealth.  We still prioritize growth, but not at the expense of leaving your capital subject to large losses in volatile markets. 

We understand that effective financial planning in Charlotte, NC, demands on more than mere diversification; it necessitates a proactive strategy to navigate market fluctuations. While it takes more work, we’re happy to provide that, since your wealth should not be left vulnerable to large risks.  

The Holland Capital Difference: Active Wealth Management

At Holland Capital Management, we help our clients navigate the complexities of financial planning with active wealth management.  That means taking a proactive approach and strategically employing defensive strategies along with growth tactics.  Chad Holland, CFA®, CFP®, an experienced professional, collaborates with each client to craft personalized financial planning and wealth management strategies. 

Recognizing that market unpredictability requires a much more focused approach, we have partnered with a money manager with an independently verified GIPS® track record to invest and continually monitor your assets. Our focus extends beyond traditional diversification – we prioritize risk management through a dual strategy of offensive growth and defensive protection.

Customized Portfolios Tailored to You

No two financial journeys are identical. At Holland Capital Management, your portfolio isn't just a collection of assets we assemble using a cookie cutter approach.  Instead, it’s strategically customized to help you achieve your goals and objectives while simultaneously striving to reduce risk.  

How does our approach differ?  Instead of relying on simplistic mutual fund and ETF based portfolios, we favor individual stocks, bonds, and hand-picked low-fee ETFs.  This helps you minimize fees and as importantly, gain more control over your taxes. This approach deviates from what many firms offer, but enables us to aim to maximize after-tax, risk-adjusted returns by making timely adjustments throughout the market cycle.  This way, we strive to mitigate downside losses relative to the market while participating in the upside as much as possible.

In the realm of financial planning in Charlotte, NC, Holland Capital Management’s approach means you get customized solutions that actively manage risk.  This commitment to active wealth management goes beyond conventional strategies, ensuring that your financial goals are prioritized in today’s ever-evolving financial landscape. 

How else do we strive to safeguard your wealth actively?  

The Significance of Specialization

In the complex realm of financial planning in Charlotte, NC, one theme is clear.  As your wealth grows you will benefit from more help from specialists, not generalists.  That’s what you get at Holland Capital Management.  Instead of just working with generalist financial planners, you get access to our network of specialists to ensure you get advice and financial strategies best suited to your needs. 

Generalized approaches can work for investors just starting out on their financial journey.  But as you have more at stake, general advice can be a liability.  How do you know if the path recommended is a good one of your financial advisor doesn’t have significant knowledge on that specialty?

Specialists are better equipped to help you manage your risk and employ the best strategies to achieve your goals.  Needless to say, as your wealth increases, it is imperative to have professionals who excel in specific areas of finance helping you solve problems and plan your future. Whether it's in investment management, estate planning, or setting up a trust, specialization ensures that each facet of your financial plan receives the attention and expertise it deserves.

Access to a Network of Specialists 

When you partner with Holland Capital Management, you get a different approach than you’ll find at many other North Carolina financial planners.  Chad Holland, CFA® and CFP®, will act as your personal financial planner.  Then, he will bring in outside specialists as needed to better address specific needs.  For example, if you’re a high income professional or business owner, you may benefit from working with a specialist in tax planning.  Or, for planning your legacy, you and Chad may choose to collaborate with an estate planning or trust specialist to find the most tax-efficient way to pass on and protect your wealth.  

Unlike other general financial planners in Charlotte, NC, this team approach helps us strive to provide you the best advice possible, so we can help you do more with your money.  Instead of working with one generalist advisor, you’ll work with a team comprised of specialists with diverse skill sets. 

From investment analysts to estate planners, each member in our network brings specialized knowledge to the table. By fostering a team approach where individuals excel in their designated areas, we can help ensure you receive nuanced advice tailored to your unique financial goals and circumstances. 

This collaborative approach allows us to address various financial challenges in a focused manner, helping you enjoy a truly holistic solution to managing your assets. 

How Specialization Enhances Service Quality

We believe specialization is the key to elevating service quality for financial planning in Charlotte, NC, or really anywhere. Our commitment to specialization is rooted in the belief that delivering exceptional service requires a deep understanding of the intricacies within each financial domain. 

This dedication enables us to provide clients with a level of insight and guidance that goes beyond generic financial planning. It's about crafting effective strategies tailored to your specific needs and aspirations. In doing so, we can better empower you to navigate the complexities of today’s fast-moving financial world.

Coordinating Expertise for Seamless Financial Solutions

One other way this approach helps you is efficiency.  We recognize that your time is extremely valuable, and the last thing you need is to juggle multiple professionals for different aspects of your financial journey. This is why we combine it seamlessly for you with a single point of contact. 

Our approach and access to diverse expertise allows us to cater to all your financial needs under one roof. We've got you covered, from sophisticated tax planning to estate planning to specialty lending and everything in between.  We have vetted specialists in our network who are ready to help you achieve your goals.  

This integrated approach ensures that your financial strategy is not fragmented but operates as a unified, well-coordinated plan, providing peace of mind and a clear path toward your financial goals.

Over 25 Years of Experience in Financial Planning in Charlotte, NC

When looking for financial planners in Charlotte, NC, it’s important that the firm you hire possesses the necessary experience and credentials.  You certainly don’t want your money to be a part of anyone’s learning curve, so always ask about how many years a prospective provider has been active in the financial planning and wealth management industry.  And, ask what team members will help you and their specific experience levels.  

With over 26 years of experience, Holland Capital Management’s team has helped clients navigate multiple market cycles.  Along with experience, the company’s founder, Chad Holland, holds two respected financial credentials.  He is both a Chartered Financial Analyst (CFA®) and a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional.  

Along with our network of specialists, we strive to deliver exceptional financial planning solutions in Charlotte.

The Value of Experience in Financial Services

Is experience really critical for your wealth management provider?  We believe it is, and its importance cannot be understated.  Experience is not merely the passage of time but the accumulation of wisdom, refined strategies, and a nuanced understanding of the ever-evolving financial landscape. 

In critical areas such as finance or health care, experience can make the difference between a good outcome or one filled with regrets.  Anytime there’s something significant at stake, we believe you do best with experience on your side.

And when it comes to Charlotte NC financial planning and wealth management, you’ll get that experience with a provider such as Holland Capital Management.  

The compass of experience allows us to guide clients through complexities, helping us to better mitigate risks and identify opportunities. Clients benefit from the distilled knowledge gained over decades, helping you be more prepared to withstand market fluctuations. 

This depth of experience allows us to tailor financial strategies to the unique needs of Charlotte residents, providing a sense of security and confidence in their financial journey. 

As we continue to build upon this legacy, each milestone is a testament to our unwavering commitment to excellence in financial services, solidifying our position as a trusted partner for pursuing financial well-being in Charlotte, NC.


When you’re in need of financial planning in Charlotte, NC, it pays to do your homework.  Not all wealth management professionals are created equal.  It’s wise to look for a firm that has the expertise and access to specialists who can strive to achieve your best result. 

Our unwavering dedication to personalized solutions, over 25 years of experience, and specialist approach to safeguarding and growing wealth distinguish us in the financial services landscape. Holland Capital Management doesn't merely offer financial planning; we provide a holistic, comprehensive process to help build and preserve wealth for the long term. 

Ready to take the next step toward securing your financial future?  

Schedule your free consultation today.