As a fiduciary financial advisor in New Bern, Holland Capital helps retired couples plan for a long retirement, deciding how much they can spend now while Social Security and savings last for decades. We work with clients in New Bern by video and phone, and meet in person by appointment at the Highland Business Center on Highland Avenue.
Settled in. Planning for the long stretch.
New Bern has about 33,000 people, and about one in four residents is 65 or older. About 45% were born in another state, and New Bern attracts retirees from outside North Carolina.
The first years of retirement often get the most attention. The years after that matter just as much. If you retired in your early 60s, your savings may need to support you for several decades.
How Much Can You Spend Now?
Spending too little can mean missing years you will not get back. Spending too much can leave less for later. A plan tests your spending under different market and inflation conditions.
The plan is updated each year as your spending, your accounts and your health change.
Large Expenses Ahead
A long retirement can include large costs such as a new roof, a car, help for family or care later in life. Setting money aside for them now keeps them from disrupting your monthly income.
The plan names each one and when it may come up.
RETIREMENT ENGINEERING™
The Order Matters
Five retirement decisions and why timing matters.
Investment Risk Over Decades
A portfolio that must last decades still needs some growth. It also needs a way to cover withdrawals when markets fall without relying only on selling investments that have dropped. Our article on what to do when the market drops in retirement walks through the choices.
Through investment management, Holland Capital invests your accounts for both needs at once.
How We Work with Clients in New Bern
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 your Social Security statements, statements for each account, a summary of your monthly spending and your most recent tax return.
You leave with a written plan: what you can spend now, what to set aside for large costs and how the portfolio is invested.
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 New Bern, we meet by appointment at the Highland Business Center at 1210 Highland Avenue in New Bern, and handle shorter check-ins by video or phone. Holland Capital does not maintain a branch office in New Bern.
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
How Do I Know If We Are Spending Too Much in Retirement?
A plan compares your spending with what your savings and income can support over many years. We revisit it each year, so small changes happen early.
What Does a Fiduciary Financial Advisor Do in the Later Years of Retirement?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. Later in retirement, that means advice on spending, investments and large expenses together.
What we charge is written down before we start.
Where Do New Bern Clients Meet with Us?
At the Highland Business Center on Highland Avenue, by appointment.
Check-ins between meetings are by video or phone.
Photo: Smallbones / Wikimedia Commons / Public domain, cropped.
