Holland Capital Management specializes in providing comprehensive financial planning and investment management services to help executives and professionals achieve their financial goals.
Common questions and concerns:
  • You’re often too busy to find the time to get your finances organized.
  • You may have a large amount of your wealth concentrated in your employer’s stock or equity options, leaving you vulnerable to unexpected events.
  • You may feel your investments are too exposed to volatility and wish there was a better way to protect from market downturns.
  • With a high income, you need more strategies to reduce your taxes.
  • You may wonder if you’re saving enough to maintain your current lifestyle in retirement.
Key services we’ll provide to you:
  • You’ll work directly with a CFA® Charterholder and a CERTIFIED FINANCIAL PLANNER™ professional for financial planning and wealth management strategies.
  • We'll help you manage your equity compensation. Whether it’s hedging or diversifying employer stock holdings or mapping out a plan for your stock options, we’ll help you create a plan to maximize this source of wealth.
  • We'll help you understand and best utilize any employment benefits you're entitled to.
  • We'll bring in outside specialists from our network (or work with your current professionals) to help you with more specific needs, such as estate and tax planning, to help you get the best possible advice.
  • We’ll coordinate and organize all services for you to minimize hassles.
What can you expect?
  • We’ll help you get organized and feel confident about your future.
  • We’ll help you preserve your wealth as well as grow it.
  • We’ll help you find advanced strategies to get your money working for you so you can achieve financial independence sooner.

Case Study

Here’s a typical example of our work with executives. (This is a theoretical client story only to avoid privacy issues.*)
Mark and Elizabeth are 51 and 45 years old, respectively. Mark is a CFO at a fast-growing firm, and Elizabeth is a Director of Human Resources at a healthcare company. They have two teenage daughters.
They initially came to Holland Capital Management for help determining how best to handle Mark’s stock options. However, the couple faced a complex financial landscape of high incomes and high taxes. With busy lives, two kids and a lot of expenses, it seemed their money flowed out as fast as it came in. So, along with creating a plan for the equity compensation, they also wanted to be sure they were on track for a secure future retirement.
To start, we sat down and learned about their short-term and long-term goals. What did they want their future to look like? What would retirement mean for them?
During the planning process, our CFA® Charterholder and CERTIFIED FINANCIAL PLANNER™ professional dove deep into their needs to find the best strategies. This analysis included:
  • Preparing a comprehensive financial plan that included close attention to managing risks.
  • Development of a plan to accelerate their retirement savings. This also included some Roth conversions to help increase their tax-free income sources for the future.
  • Analysis to find the best strategies for turning Mark’s stock options into sustainable wealth while minimizing taxes.
  • Working with their CPA to find strategies to lower their tax bills now and in the future.
  • Collaborating with their estate planning attorney to create a plan to transition their wealth to their kids and favorite nonprofits tax-efficiently.
  • Setting up a 529 college funding plan would help with that expense but give them flexibility if their children's plans change.
They also had an opportunity to buy a vacation rental home in their favorite mountain resort. They wanted to finance it but were concerned about the time required to deal with a mortgage company. We worked with our portfolio lending partner to help them get hassle-free financing based on their existing assets.
Over time, we’ve helped Mark and Elizabeth diversify their assets away from their employer stock and industries so they will be less impacted by a recession or industry downturn. Best of all, they are now just a few years away from financial independence, where they both would have the option to stop working or pursue other interests if they chose.
*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.