As a fiduciary financial advisor in Tega Cay, Holland Capital helps high-income couples in their 50s who are hiring an advisor for the first time understand what fiduciary means, how they would pay and what they would get. We work with clients in Tega Cay by video and phone, and meet in person by appointment at our office in Ballantyne, about 30 minutes away.
You have done well on your own. Now you want help from someone required to put you first.
Tega Cay has about 13,600 residents. Its median household income is about $142,000, and about three in ten households earn $200,000 or more.
If you are in your 50s, the financial decisions you make can affect a larger pool of savings. You may have seen ads from investment firms and wondered how to compare them.
The first question is not about returns. It is about whose interest the advisor must serve, and how the advisor is paid.
What Fiduciary Means
A fiduciary advisor must act in your best interest when providing advisory services. Different financial professionals can be subject to different standards depending on the service they provide.
Ask each firm when it acts as a fiduciary and whether that duty applies to all of the advice you are considering. Our article on a fiduciary financial advisor vs. a broker explains the difference.
How Advisors Are Paid
Financial professionals can be paid through asset-based fees, fixed planning fees, commissions or a mix. Each method can create different incentives.
At Holland Capital, financial planning can be done for a fixed fee set before work begins. Investment management is charged as a percentage of the assets we manage.
What You Should Get for the Fee
Our planning engagement starts with a written plan covering your retirement timing, savings, taxes and investments.
With investment management, the portfolio follows that plan. You should be able to see what you own, what it costs and why it is there.
Our guide on whether a fiduciary advisor is worth the cost covers how to weigh it.
How We Work with Clients in Tega Cay
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 two latest tax returns, recent statements from every account, your benefits summaries and any agreement you have with a current advisor.
The result is a written plan, a clear statement of our fee and a list of what we would do first.
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 Tega Cay 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
What Should We Ask Any Advisor Before Hiring One?
Ask whether the firm is a fiduciary on all of its advice, how it is paid in total, who will work with you and where your money will be held. Ask for the firm’s Form ADV brochure, which describes its advisory business, fees and conflicts of interest.
Is Holland Capital Held to a Fiduciary Standard?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. For a couple hiring an advisor for the first time, that standard covers the plan and each investment recommendation.
Our fee is set out in writing before you sign.
Where Do Tega Cay Clients Meet with Us?
By appointment at our Ballantyne office, about 30 minutes from Tega Cay.
Shorter reviews work well by video or phone.
Photo: Mx. Granger / Wikimedia Commons / CC0, cropped.
