At Holland Capital Management, we understand the challenges and complexity you face as a business owner. We empower you with sophisticated, tailored strategies to help you create the most secure financial future possible.
Common questions and concerns:
  • You may not feel as in control of your personal finances as you do your business.
  • Your wealth may be heavily tied to your business, leaving you vulnerable to shocks.
  • You may wonder if you could be paying less in taxes.
Key services we’ll provide to you:
  • You'll receive personalized attention from our CFA® Charterholder and CERTIFIED FINANCIAL PLANNER™ professional, who will develop financial and wealth management strategies tailored to your unique needs and goals.
  • We will bring in outside specialists for niche needs such as trusts or estate planning to join your team, ensuring you get top-tier advice.
  • We will help you organize all aspects of your financial strategy, simplifying the process and saving you time.
  • We can help you plan an exit strategy for your business as well as plan your retirement.
What can you expect?
  • We’ll help you organize your financial life, providing clarity and confidence in your financial future apart from your business.
  • We’ll help you create a comprehensive financial plan to preserve and grow your wealth, helping you build a stable financial future.
  • We’ll provide access to more sophisticated tax and estate planning strategies that can make your money work harder.

Case Study

Here’s a typical example of our work with business owners and entrepreneurs. (This is a theoretical client story only to avoid privacy issues.*)
Javier is 52 and runs a very successful manufacturing business he has built over the past decades. He engaged Holland Capital Management for help managing his complex financial life and preserving the wealth he has built. Although the economy and business have been strong, Javier remembers what happened in previous downturns when his company and the stock market dropped precipitously. He is hoping to make his wealth more recession-proof.
Upon engaging with us, it became clear that Javier was also interested in reducing his taxes and finding ways to shield his personal wealth from any issues with his business. With significant earnings but equally high operational costs and taxes, he sometimes found it challenging to predict cash flow and ensure consistent savings. He was looking for a way to turn today’s success into a secure retirement where his lifestyle would not be impacted by the ups and downs of his business.
Our approach to Javier’s situation involved a series of strategic steps tailored to his unique needs as a business owner. First, that meant learning about his short-term and long-term goals. We found out he owned one vacation rental home but was interested in adding another if there was a tax-efficient way to do so. He also wanted to turn his focus to retirement planning to help ensure he had enough to rely on without requiring the sale of his business.
Over time, we developed a comprehensive financial plan that focused on mitigating risks associated with business ownership and market fluctuations. Javier worked directly with our CFA® Charterholder and CERTIFIED FINANCIAL PLANNER™ professional to ensure disciplined, rigorous planning and identification of vulnerabilities and blind spots.
Then, we brought in specialists from our network to help with tax and estate planning to ensure Javier had the benefit of expertise in these areas. We also collaborated directly with his CPA and counsel to implement his approved strategies, which included setting up a trust so he could pass on his wealth tax-efficiently to his family and favorite nonprofits.
Javier’s portfolio was restructured to help make it less subject to volatility. Instead of taking too much risk, we focused on strategies that strived to generate higher after-tax returns with less risk.
We also evaluated Javier’s idea of purchasing a second vacation home to use as a rental property. We helped him facilitate competitive and hassle-free financing through our portfolio lending partner, using his portfolio as collateral. We also collaborated with this CPA to help him structure this in a tax-friendly way.
Over the years, we’ve helped Javier continue to diversify his investments beyond his business, reducing his exposure to downturns. This strategic diversification has stabilized his financial situation and positioned him close to financial independence. He now has the freedom to consider stepping back from daily operations anytime he prefers.
*This case study is intended to illustrate the types of investment advisory services available through Holland Capital Management LLC. The examples below are hypothetical and do not represent specific facts of any individual Holland Capital Management clients. Examples are intended to be representations of our client types and services. The case studies are in no way meant to be an endorsement of Holland Capital Management as an investment adviser or as a testimonial about our clients’ actual experiences with us as an investment adviser. Case studies do not necessarily represent the experiences of other clients, nor do they indicate future performance. In fact, we do not discuss or detail performance or outcomes below because investment results always vary. The investment strategies and services discussed are not appropriate or applicable for every investor and should be considered given a person’s investment objectives, financial situation and particular needs.