Where to start
Start With the Decision in Front of You
You probably did not come here looking for another financial product. You have something you need to solve.
Can I retire? Should I sell the business? Am I paying more tax than I need to? Does my portfolio actually fit what I am trying to do? Is this annuity any good?
That is where we start.
You can come to Holland Capital with one decision, a full financial plan, or a portfolio that needs attention. We start with the question in front of you and determine what needs to happen next.
The decisions
What Are You Trying to Solve?
Can I Retire, and When?
When to stop working, where your income will come from, and what could change the answer.
More on retirement planning.
Is My Portfolio Built Around Me?
How much risk you actually need to take, what you need the portfolio to do, and whether each investment earns its place.
More on investment management.
Is My Company's 401(k) Plan Working?
For business owners who sponsor a plan: plan design, investment choices, costs, and fiduciary responsibilities.
More on 401(k) advisory.
What Do I Do With an Inheritance?
What to do now, what can wait, and how a large sum of money fits into the rest of your financial life.
How Can I Make Better Tax Decisions?
Roth conversions, capital gains, account types, and which accounts to draw from first.
More on tax-efficient investing.
Should an Annuity Be Part of My Income?
Whether an annuity you own, or one you are considering, actually improves your retirement income plan.
More on annuities and retirement income.
How Will Divorce Affect My Finances?
How to divide accounts, what the different choices may mean for taxes, and what your finances look like afterward.
More on divorce financial planning.
Am I Ready to Sell My Business?
What you need from the sale, what may be lost to taxes, and how the proceeds will support what comes next.
More on business owner exit planning.
Some decisions also involve estate planning. In those situations, we coordinate with the attorneys, tax professionals and custodian involved so the pieces fit together.
Ways to work together
How Much Help Do You Need?
You choose.
The scope and cost are put in writing before you make any commitment.
Focused Analysis
One question you want answered clearly.
We analyze the decision, walk you through the options, and make a recommendation when one is appropriate. The fee is fixed once we understand what you need.
Financial Planning
Retirement, cash flow, taxes, investments, insurance, and estate planning looked at together.
The point is not to produce a bigger plan. It is to make sure solving one problem does not create another somewhere else.
Financial planning is quoted as a fixed fee.
More on financial planning.
Ongoing Investment Management
Your portfolio should be built around you. You should not be fitted into someone else’s model.
Chad creates an Investment Policy Statement based on your goals, income needs, risk, taxes, time horizon, and other constraints. An independent investment manager then builds and manages the portfolio within that mandate.
We do not start with a collection of funds and decide where you fit. The portfolio is customized around the client, using individual securities, and each investment has to earn its place.
Investment management carries an advisory fee based on the assets managed.
More on investment management.
You do not have to move your investments to Holland Capital to get financial planning or focused advice.
What stays the same
What Can You Expect From Us?
You work directly with M. Chad Holland, CFA, CFP®.
He looks at how one financial decision affects the others before recommending a change. Retirement affects taxes. Taxes affect investments. Investments affect income. Insurance, estate planning, and cash flow can change the answer again.
That is why we do not look at important decisions in isolation.
Sometimes the right answer is to change something. Sometimes it is to leave things alone. Either way, you should understand why.
Holland Capital is a fiduciary. Chad is also bound by professional standards that require him to put clients’ interests first, regardless of the financial question being discussed.
