As a fiduciary financial advisor in Augusta, Holland Capital helps cybersecurity professionals at defense contractors build savings and a cash plan that can hold up if a contract or role changes. Planning takes place by video and phone, and in-person meetings are held by appointment at a Regus office on Broad Street downtown.
A strong salary. A job tied to a contract.
Augusta is home to Fort Gordon, where the Army’s Cyber Center of Excellence is based. About one in five Augusta workers has a government job, and about 11% of adults are veterans.
If you work in cybersecurity for a defense contractor, your income and benefits may depend on the role and contract you hold. Your job can depend on a contract with an end date. When a contract is rebid or a program changes, your role can change with it. A good plan works either way.
Whoever helps with that plan should be a fiduciary, and you should know how they are paid.
A Cash Reserve That Fits Your Job
We start with what your household spends each month. Then we decide how many months of spending to keep in cash, based on your job, your household and any second income.
Money you may need soon belongs in a low-risk account you can reach quickly, not in the stock market.
Keeping Retirement Saving on Track
A job change can interrupt retirement saving. We plan for that possibility and review what happens to your 401(k) if you leave.
Our guide on what to do with your 401(k) after a layoff explains the choices.
Benefits Between Jobs
If your employment ends, your health coverage and life insurance can change. You may also lose employer contributions that have not vested. We list what each benefit is worth and what happens to it when you leave.
That way, an offer from a new employer can be compared on more than salary.
Investing the Rest
Once the cash reserve is set, the rest of your savings can be invested for the long term. Through our investment management, we invest those accounts to match your timeline and the risk you can accept.
How We Work with Clients in Augusta
Holland Capital Management is an independent registered investment adviser and a fiduciary. M. Chad Holland, CFA, CFP® works directly with clients and is responsible for the planning and advice.
Bring a recent pay stub, your benefits summary from human resources, your current 401(k) statement and statements from accounts at earlier employers.
The result is a written plan for your cash reserve, your savings rate and your accounts, including what to do if your job changes.
The first conversation is free. If there is work worth doing after that, we will define the scope and cost before you decide whether to move forward.
Our offices are in Charlotte, North Carolina and Winter Park, Florida. We work with clients in Augusta primarily by video or phone. When an in-person meeting makes sense, we meet by appointment at the Regus center at 823 Broad Street downtown.
We work with clients throughout Georgia. You can see the other Georgia communities we serve here.
Our what we do page explains how a planning engagement works.
RETIREMENT ENGINEERING™
The Order Matters
Five retirement decisions and why timing matters.
Frequently Asked Questions
How Much Cash Should a Defense Contractor Employee Keep?
There is no single number. It depends on your spending, your household’s other income and how quickly you could find similar work. We set a target with your numbers.
Why Work with a Fiduciary Financial Advisor When Your Job Depends on a Contract?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. For a cybersecurity professional, that means advice on cash, savings and benefits as one plan, with your interests first.
Moving an old 401(k) into an account we manage would increase what we are paid. We say so before you choose.
Can I Meet with Holland Capital in Augusta?
Yes, at the Regus center at 823 Broad Street downtown, by appointment.
Check-ins between meetings work well by phone.
Photo: DXR / Wikimedia Commons / CC BY-SA 4.0, cropped.
