As a fiduciary financial advisor in Morehead City, Holland Capital helps retirees on the Crystal Coast who have managed their own investments for years hand off their portfolio and set up a steady withdrawal plan. We work with clients in Morehead City by video and phone, and meet in person by appointment at TIDAL Coworking on Arendell Street.
You built it yourself. Now you want help running it.
Morehead City has about 10,000 people, and more than one in five residents is 65 or older. Across Carteret County, the Crystal Coast attracts people who move there for retirement.
If you picked your own funds and rebalanced your own accounts while you worked, you may still be doing it in retirement. Some retirees enjoy that. Others would rather spend the time elsewhere, or want a plan in place in case one spouse can no longer manage the accounts.
What Handing Off Looks Like
Handing off does not mean starting over. We begin with what you own, why you own it and what has worked for you.
From there, the portfolio is organized around the income you need. Our article on whether a fiduciary financial advisor is worth it covers what to weigh before you decide.
A Withdrawal Plan Both Spouses Understand
In retirement, the order you draw from taxable, tax-deferred and Roth accounts can affect your tax bill. A written withdrawal plan sets an order and a monthly amount.
It also means both spouses know where the money comes from and who to call. Our guide to a retirement withdrawal strategy explains the main approaches.
RETIREMENT ENGINEERING™
The Order Matters
Five retirement decisions and why timing matters.
Keeping Some Control
You can stay as involved as you like. Some clients want to review every trade. Others prefer a short review a few times a year.
Either way, your investment accounts remain in your name at a separate custodian. With Holland Capital’s investment management, you can see every holding at any time.
How We Work with Clients in Morehead City
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 statements for each account, a list of what you own and why, your Social Security benefit amounts and your last tax return.
You receive a written plan showing how the portfolio is invested, the order and amount of withdrawals, and how often we review it together.
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.
Holland Capital is based in Charlotte. If you are looking for a fiduciary financial advisor in Morehead City, we meet by appointment at TIDAL Coworking at 712 Arendell Street in downtown Morehead City, and handle shorter check-ins by video or phone. Holland Capital does not maintain a branch office in Morehead City.
We work with clients throughout North Carolina. You can see the other North 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
Do I Have to Sell Everything When I Hand Off My Portfolio?
No. Some holdings may stay, especially ones with large gains. We look at the tax cost of each change before making it.
Why Choose a Fiduciary Financial Advisor to Manage My Investments?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. When you hand off a portfolio, that means advice on investments, withdrawals and taxes together.
Our fee is shown in writing before you sign anything.
Where Can Morehead City Clients Meet with Us?
At TIDAL Coworking on Arendell Street, by appointment.
Between meetings, we stay in touch by phone or video.
Photo: James Willamor / Wikimedia Commons / CC BY-SA 3.0, cropped.
