Many individuals confuse financial planning with general savings and investing advice. While determining how much to save and where to invest is important, it’s just a small part of the big picture…especially as your net worth grows.
Holland Capital Management in Oak Ridge, NC
The first thing to consider when looking to find a financial advisor in Oak Ridge, NC: who are the team members? That’s critical since your financial well-being requires a lot more than just portfolio management. Along with attention to investments, you will likely need other services.
Why Financial Planning Is Important in Oak Ridge, NC
At Holland Capital Management, planning drives everything we do for you. A well-grounded financial plan can help you lower your tax liability and save money more easily. It can also help you build and protect your legacy, so everything you’ve worked for lasts after you’re gone. A good financial plan should also focus on protecting and strengthening your wealth, so you feel confident about the future.
But we go even farther since, as a high net worth or high-income person, you have more to lose. We’ll help you with asset protection, more sophisticated estate and tax planning strategies, trust administration, specialized lending, and much more. This helps you get what you need from one source and ensures you’ll never outgrow our services.
What Can Our Oak Ridge Financial Advisors 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
What We Can Do For You
Here’s the financial planning process you can expect at Holland Capital Management:
Discovery: To help you achieve your goals, we need to understand your objectives, constraints, and starting point. We also want to work together to clarify your goals so your progress can be easily measured. We do this through a consultative discovery process. At the same time, you will learn what we can do for you.- Strategizing: Now that we have a better sense of who you are, and what you wish your financial future to look like, we can work together to find the best financial strategies to help you achieve those financial objectives. We will bring in specialists as needed to help ensure you get the best advice possible in areas such as tax planning.
- Holistic Planning: We don’t believe in cookie-cutter approaches. Through our systematic process, we’ll create a set of personalized, holistic plans – for the short, intermediate and long-term that will help guide your overall financial strategy. Our planning process is intensive, and we do it using a consultative and iterative approach. Each session brings us closer to helping you achieve the financial objectives set out during the Discovery phase.
- Implementation: Now that the plans are complete, we’re here to help you implement them. Whether it’s making adjustments to your portfolio, putting tax and estate planning strategies in place, or helping get your entire family on board with your new financial plan, we’re here to help. If something requires collaboration with your other professionals, we’ll take the lead to save you time and hassles.
- Frequent Reviewing and Monitoring: To be effective, your financial plan needs to change along with your life and outside conditions. We stay alert for ways you can take advantage of opportunities, which might happen as market conditions change, or if new tax laws are passed. We’ll check in with you often and continue to look for ways to improve your plan. Through constant monitoring, and frequent reviews with you, we’ll make modifications as needed so you can continue working towards your goals.
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Location
Oak Ridge, NC - 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 - Email Us
chad@hollandcapitalgroup.com
Frequently Asked Questions
+ How Do I Choose the Right Financial Advisor Oak Ridge, NC?
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 find someone who takes the time to listen to your financial goals and learn what is 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?
Fees will vary, but often range from 1% to 2% of assets under management per year. This does vary widely, and it’s critical to find out what this fee covers beyond the basics. Some advisors will charge separately for financial planning and investment management, while others will bundle these into a single fee. So be sure to ask for that detail so you’re clear on exactly what you will be paying for.
+ 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.