As a fiduciary financial advisor in Indian Land, Holland Capital helps recently retired couples turn the savings they built into a steady monthly income, with withdrawals, Social Security and investments set up to work together. We work with clients in Indian Land by video and phone, and meet in person by appointment at our office in Ballantyne, about 10 minutes away.
The paychecks stopped. The bills did not.
In the Indian Land ZIP code area, roughly a quarter of residents are 65 or older, and about 37% of households receive retirement income.
If you retired in the last year or two, your savings may sit in several places: a 401(k), an IRA, a brokerage account and cash. You know the total.
What you may not know is how much you can take each month, from which account, and what that leaves for later.
Building a Monthly Paycheck
A plan starts with what you spend. Then it decides which accounts pay for it each year.
The order in which you tap brokerage, pre-tax and Roth money can affect your tax bill for years. Our guide on which account to withdraw from first covers the main choices.
A cash reserve can reduce the need to sell investments during a market decline.
If one of you has not claimed Social Security yet, the claiming date changes how much your savings must cover in the early years. Our guide on spousal Social Security benefits explains how a couple’s two benefits work together.
How South Carolina Taxes Retirement Income
South Carolina does not tax Social Security benefits.
At age 65, South Carolina also provides certain income deductions. The rules and limits matter, so we check them against your return before setting withdrawals.
Investments That Match the Withdrawals
Once withdrawals begin, the portfolio has a new job. Money needed sooner may be held in more stable investments. Money needed later can remain invested for longer-term growth.
With investment management from Holland Capital, we rebalance and raise cash for each month’s income. Your accounts are held in your own names by an independent custodian, not by us.
The withdrawal order is built around your income needs, taxes and overall plan.
How We Work with Clients in Indian Land
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 statement for each account, your Social Security benefit letters, last year’s tax return and a rough list of monthly expenses.
You leave with a written income plan: how much to draw each month, from which account, and when we will review it.
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 Indian Land primarily by video or phone. When an in-person meeting makes sense, we meet by appointment at our Charlotte office, 15720 Brixham Hill Avenue, Suite 300.
Map and directions: Holland Capital Management, 15720 Brixham Hill Avenue, Charlotte.
We work with clients throughout South Carolina. You can see the other South Carolina 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 Can We Withdraw Each Year?
There is no single number. It depends on your spending, your other income, your investments and how long the money needs to last.
A plan tests the amount against weak markets and a long life, then sets a starting figure we review each year.
Why Use a Fiduciary Financial Advisor After We Retire?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. In retirement, that means the monthly income, the taxes on each withdrawal and the investments are planned together.
How we are paid is shown in writing at the first meeting.
Is the Office Close to Indian Land?
Yes. Our Ballantyne office on Brixham Hill Avenue is about 10 minutes away, and meetings are by appointment.
For quick questions, a call or video meeting works.
Photo: Mx. Granger / Wikimedia Commons / CC0, cropped.
