As a fiduciary financial advisor in Short Pump, Holland Capital helps corporate executives whose employer stock has grown into a large share of what they own set a standing rule for what to keep and sell as new shares arrive. Short Pump clients reach us mostly by video and phone, with in-person sessions by appointment at the Alliance meeting center in West Broad Village.
Shares arrive on a schedule. Each time, the same question. Hold them, or sell and spread the money out?
Short Pump has about 30,600 residents, and household income here has a median near $139,000. Nearby employers include Capital One at West Creek, with more than 5,000 jobs, CarMax and Performance Food Group in Goochland.
Deciding one vest at a time lets the answer drift with the stock price. A standing policy settles in advance how much employer stock you hold and what happens at each vest. We write that policy for a fixed fee, and no account has to move. Before acting on anyone’s view of your company stock, learn whether they serve as your fiduciary and what they earn.
How Much of Your Wealth Rides on One Company
We add up every place employer exposure appears: shares you hold, unvested awards, any company stock in the 401(k) and any deferred compensation tied to the share price.
Your salary and bonus come from the same company, so the plan counts that exposure too.
Writing the Keep-or-Sell Rule
The policy sets a target range for employer stock and says how each new vest will be handled. It respects any trading windows or ownership guidelines your documents set.
Because selling can create taxable gains or compensation income, the timing is considered alongside your other income. Our page on tax-efficient investing explains our approach.
RETIREMENT ENGINEERING™
The Order Matters
Five retirement decisions and why timing matters.
Company Shares in the 401(k) and Sale Proceeds
Employer shares inside a 401(k) raise their own question at retirement or a job change. Our guide to 401(k) rollovers for executives with company stock walks through it.
If you choose, our investment management can run sale proceeds under an investment policy statement drawn from your plan.
How We Work with Clients in Short Pump
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 award summaries and vesting schedule, recent pay and bonus statements, 401(k) and brokerage statements, any deferred pay elections and last year’s tax return.
The written policy is yours for a fixed fee agreed in advance. Follow it on your own, with an advisor you already use, or with us.
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 Short Pump primarily by video or phone. When an in-person meeting makes sense, we meet by appointment at the Alliance meeting center at 2400 Old Brick Road in West Broad Village.
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 Glen Allen at 11108 West Broad Street.
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 Employer Stock Should I Keep?
There is no single right share. It depends on your other assets, your income from the same company, your taxes and what a fall in the share price would do to your plans. We set a target and test it.
What Does a Fiduciary Financial Advisor Add to a Stock Decision?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. With employer stock, that means our view on what to keep does not depend on who would manage the money you sell.
The policy is priced as one fixed fee settled before work starts, and managing the diversified money later would be a separate fee whose terms you hear first.
Is There a Place to Meet Near Short Pump?
Yes. Appointments are held at the Alliance meeting center at 2400 Old Brick Road in West Broad Village, which has a Glen Allen address.
Most of the work itself happens over video or phone.
Photo: Ser_Amantio_di_Nicolao / Wikimedia Commons / CC BY-SA 3.0, cropped.
