Holland Capital Management specializes in helping physicians and other medical professionals preserve and build wealth. We understand the unique financial pressures of the medical field, including managing high income, dealing with high tax rates, and navigating potential liability. Plus, we know the importance of helping you achieve true financial independence, where you can choose to work less, retire or pursue a different direction if desired.
Common questions and concerns:
  • Your demanding schedule often leaves little time for long-term financial planning.
  • You may have a significant portion of your wealth tied up in your practice or specialized investments, which can create substantial risk.
  • Being overly exposed to market downturns can be a concern, especially with substantial assets at stake.
  • With your high income usually comes high taxes, so you’re probably always looking for better tax strategies.
  • You may not be sure you are saving enough to maintain your lifestyle in retirement.
Key services we provide:
  • You’ll work directly with a CFA® Charterholder and a CERTIFIED FINANCIAL PLANNER™ professional who understands the financial nuances of the medical profession.
  • Along with this financial planning, we’ll bring in specialists from our network for complex needs such as trusts, estate and tax planning so you have the best advice possible.
  • We organize all services to minimize your hassles, allowing you more time to focus on your patients and practice.
What can you expect?
  • We help you get organized and build clarity about your financial future.
  • Our strategies not only focus on growth but also on wealth preservation since it's critical that you keep what you’ve worked hard to build.
  • You’ll get custom strategies, not one-size-fits-all approaches, so we can optimize your opportunities to preserve and grow wealth.
  • You’ll get advanced analysis and sophisticated strategies to make your money work for you, allowing you to strive to achieve true financial independence sooner.

Case Study

Here’s a typical example of our work with physicians and medical professionals. (This is a theoretical client story only to avoid privacy issues.*)
Alex and Laura, both 50 years of age, are a married couple navigating busy lives. Alex is a cardiologist and Laura is a sales representative for a software company. They have two teenage sons. They approached Holland Capital Management seeking help with their complex financial situation.
Upon starting our engagement, we thoroughly reviewed their current financial status and discussed their short-term and long-term goals. We discovered that while their incomes were high, they faced substantial tax obligations and had considerable amounts of their wealth tied up in Alex’s medical practice, which exposed them to significant risk. They also had a vacation rental property that they hoped would provide more tax advantages. Additionally, they expressed concern about whether their current savings would support the comfortable retirement lifestyle they envisioned.
In response, we began developing a financial plan tailored to their specific needs. This included bringing in outside specialists from our network on niche topics such as trusts, estate planning and tax planning to ensure they received the best advice possible.
We took a close look at risk management, particularly concerning Alex’s practice and their personal assets. While Alex had a good malpractice policy, we collectively agreed that more protection would be wise. So, we developed a strategy to place some of their assets into a trust, which made them a less attractive legal target. We also adjusted insurance levels to help ensure they had a reliable level of coverage on all fronts.
We then focused on enhancing their retirement savings, which included periodic Roth conversions to increase their tax-free income sources in the future.
Collaboration with their CPA was crucial; together, we devised effective strategies to reduce their immediate and future tax burdens. Additionally, we worked closely with their estate planning attorney to create a plan allowing a tax-efficient transition of their wealth to their children and favorite nonprofits.
We also developed a flexible plan for funding their children’s education, which considered the potential for changing educational goals.
Finally, after our discussions, the couple decided to move forward with purchasing a second vacation rental home. We helped them find hassle-free financing through our portfolio lending partners and also determined the best way to maximize tax benefits.
Over time, the couple remained disciplined and achieved their financial goals. Now, with financial independence on their side, Alex has decided to sell his practice while Laura has shifted to part-time work. They both now enjoy a more relaxed lifestyle, with more time to travel and enjoy their vacation homes.
*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.