As a fiduciary financial advisor in Reston, Holland Capital helps government-services managers in their 50s plan the move from cleared corporate work into consulting or a second career. In Reston, we meet clients by appointment at the Regus center at Reston Town Center and handle everything else by video and phone.
Years of cleared program work. A steady salary and full benefits. Now an interest in consulting, teaching or a different kind of role.
Reston has about 63,000 residents and a median household income of about $149,000. General Dynamics, SAIC, Bechtel and NVR have headquarters here.
Leaving a salaried role changes more than the paycheck. Income may arrive unevenly, and benefits your employer handled become yours to arrange. A written plan at a set fee tests the change under more than one income path before you commit. When you weigh any advisor’s view, find out if they act as a fiduciary and who pays them.
Testing More Than One Income Path
We test several versions: steady consulting income, gaps between assignments and a salaried second career at lower pay. Each version shows how long savings would cover the difference.
The Retirement Plan You Leave Behind
Your employer’s 401(k) can stay where it is or move when you leave. We compare the options on cost and investment choices, and our job-change 401(k) guide covers the steps.
If you hold company stock or shares from an employee stock purchase plan (ESPP), we look at how much of your net worth depends on one company.
RETIREMENT ENGINEERING™
The Order Matters
Five retirement decisions and why timing matters.
Costs That Shift from Your Employer to You
Health, life and disability coverage may change when employer benefits end. We price them into the monthly budget, plus money set aside for taxes on consulting income. If the change is a step toward stopping work sooner, our early retirement guide covers the years before Medicare and Social Security.
The plan is yours to carry out. Our investment management is available later as its own choice, should you want the portfolio managed.
How We Work with Clients in Reston
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.
Have ready your recent pay stubs, your benefits summary, your 401(k) and stock plan statements, a rough budget and any consulting rates you have in mind.
You leave with a written career-change plan at a fixed fee agreed before we start. Follow it alone, hand it to an advisor you already work with or have us help.
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 Reston primarily by video or phone. When an in-person meeting makes sense, we meet by appointment at the Regus center at 11921 Freedom Drive, Suite 550, at Reston Town Center.
For clients whose investments we manage, accounts are held directly at Charles Schwab in the client’s own name. Holland Capital manages the investments but does not take custody of client assets. If a client ever needs in-person assistance from Schwab, the closest branch is in Reston at 11953 Freedom Drive.
We work with clients throughout Virginia. You can see the other Virginia 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 I Hold Before Going Out on My Own?
It depends on your spending, how soon paid work may start and how uneven it may be. We size a cash reserve to the gaps in your plan.
What Changes When a Fiduciary Financial Advisor Reviews a Career Move?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. If you are leaving cleared work, we may suggest keeping the salary a while longer, if that is what your numbers show.
The planning fee is fixed and agreed before we begin. Managing your investments later would be a separate service with its own fee, and we spell that out before you decide.
Can We Meet Face to Face in Reston?
We hold appointments at the Regus center at 11921 Freedom Drive, Suite 550, Reston Town Center.
Day-to-day work happens by video and phone.
Photo: Kit Case / Wikimedia Commons / CC BY-SA 2.0, cropped.
