Have You Ever Wondered if Your 401(K) Plan Could Be Working Harder for You and Your Team?
What's Wrong with Your 401 (k) Plan?
Holland Capital Management
The first thing to consider when looking to find a financial advisor in Charlotte 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.
No Lifeguard on Duty
Anonymous Investing
Navigate these Obstacles with Proactive Management, Not Retail Products
- 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 Charlotte 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?
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 a Financial Advisor in Charlotte, NC?
Yes, normally it is, and research on the topic suggests that having a financial advisor in Charlotte 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 Hiring Charlotte NC Financial Advisors?
How Do I Find Good Financial Advisors in Charlotte NC?
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?
You will find there are many different names and titles used in this profession. Many times, the terms themselves are not particularly meaningful. What is more important is the specific scope of services provided, the individual’s credentials, and whether the professional acts as your legal fiduciary. Consequently, we usually recommend you pay more attention to facts on paper than a particular title.
Is It Smart to Invest with a Financial Advisor in Charlotte NC?
Your financial future is important. Think about it like your health. If you had something 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.
Are You Searching for a Financial Advisor in Charlotte, NC?
Of course, there is more than one high-quality firm serving Charlotte. If you’re an entrepreneur or high-income professional, our firm, Holland Capital Management, might be the best fit. That’s because we can provide a team of specialists to make sure you get the right attention on your investment portfolio as well as a broad scope of other services. However, if your needs are different, there are other high-quality Charlotte financial groups that specialize in other areas.
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 must 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 if it is suitable. On the other hand, a fiduciary may not do that. They always are required to put your interests first.
Get the Flexibility to Better Protect and Grow Your Assets
Could You Be Saving More on A Pre-Tax Basis?
Our partners at EPIC Retirement Solutions can also help you with plan design optimization. You may be able to add a deferred compensation component so you can set aside more money, pre-tax, every year for retirement.
