Fiduciary Guidance When Yields, Liquidity, and Risk Matter

CDs and fixed-income alternatives are designed for individuals evaluating how to generate income, preserve capital, or manage interest-rate risk beyond traditional bank CDs.

At Holland Capital Management, we help clients understand the trade-offs among fixed-income options and how those choices fit within their broader financial picture, without product pressure or sales incentives.

This service may be appropriate if you are:

  • Holding bank CDs and questioning reinvestment options
  • Concerned about interest-rate risk or reinvestment risk
  • Seeking income with an emphasis on capital preservation
  • Unsure how fixed income fits into your overall plan

What This Service Covers

This engagement focuses specifically on evaluating fixed income choices, including:

  • Review of existing CDs, bonds, or cash-equivalent holdings
  • Discussion of yield, duration, liquidity, and credit considerations
  • Evaluation of alternative fixed-income strategies
  • Education around interest-rate and reinvestment risk
  • Clear planning guidance, not product sales or commissions

 

The objective is to support informed, risk-aware decision-making.

Our Fiduciary Approach

Holland Capital Management operates under a fiduciary standard. This means:

  • Advice is provided in your best interest, consistent with our fiduciary obligations
  • Compensation is transparent
  • No proprietary products or incentives
  • Planning precedes any implementation discussion

Our role is to help you understand tradeoffs before committing capital.

Who This Is Typically For

CD and fixed income alternatives are commonly used by:

  • Retirees and near-retirees
  • Conservative investors prioritize capital preservation
  • Individuals holding ample cash or CD balances
  • Investors seeking income without equity-level volatility

You do not need to move assets or open new accounts to engage this service.

What the Process Looks Like

  • Introductory conversation to understand objectives
  • Review of current fixed income holdings
  • Analysis of risks, tradeoffs, and alternatives
  • Discussion outlining considerations and next steps

There is no obligation to implement any recommendation.

How This Fits Into Broader Planning

Fixed income decisions often affect:

  • Retirement income planning
  • Portfolio risk management
  • Tax efficiency
  • Liquidity planning

For some individuals, this service is standalone. For others, it becomes part of a broader planning strategy.

Can Holland Capital Management Help You Achieve Your Goals?  Schedule a complimentary, no-obligation second opinion. 

 

Let’s Talk 

Locations Where CD and Fixed Income Alternatives Are Offered

Holland Capital Management provides CD and fixed income alternative guidance to clients in the following cities and regions:

CD and Fixed Income Alternatives for Divorced Women

CD and Fixed Income Alternatives for Teachers

CD and Fixed Income Alternatives for Widows

Getting Started

If you’re evaluating CD and fixed income alternatives and want fiduciary guidance, the first step is a brief conversation to determine whether this service is appropriate for your situation.