At Holland Capital Management, we focus on helping high-net-worth individuals successfully navigate the complex world of retirement planning. You’ve spent decades accumulating wealth, but it takes a different skill set to learn how to use that money efficiently in retirement. We help by focusing on effective income planning strategies to stretch your wealth further.
Common questions and concerns:
  • Planning your retirement can be daunting in today’s world given inflation, steep health costs and other factors to manage.
  • You can't afford significant losses in retirement, so you may wonder how best to protect your investments from market downturns.
  • With fewer expenses, tax rates can take a big bite out of your retirement income, so good tax planning is crucial.
  • You may worry about your legacy and what you can do to ensure the assets you’ve worked so hard to build will last.
Key services we provide:
  • You’ll work directly with our CFA® Charterholder and a CERTIFIED FINANCIAL PLANNER™ professional to develop a retirement plan customized to your needs.
  • We'll pull in outside specialists from our network for estate planning, tax planning, and trust administration as needed. That helps ensure you receive the best possible advice from those with significant experience in each niche.
  • We coordinate and manage all aspects of your financial plan and investments to minimize hassles and maximize efficiency.
What can you expect?
  • You’ll receive services tailored specifically to your needs instead of one-size-fits-all solutions.
  • We’ll help you feel confident and in control of your finances.
  • We’ll pay equal attention to wealth preservation so you can hold on to what you’ve worked so hard to build.
  • We’ll help you look for advanced strategies to lower taxes, improve your situation and extend the longevity of your assets.

Case Study

Here’s a typical example of our work with retirees and those preparing for retirement. (This is a theoretical client story only to avoid privacy issues.*)
George and Michelle, 62 and 55, are a married couple that recently sold a very successful business. They approached Holland Capital Management with concerns about optimizing their assets for a comfortable retirement and an efficient transfer of wealth to family and their favorite charities. They had been working with a financial advisor who primarily focused on investments, but they felt that it was critical to get attention across their entire financial landscape.
Our engagement began with an in-depth assessment of their finances, retirement and estate planning goals. They wanted to ensure that their need for retirement income and care would not impact their ability to leave behind a significant legacy. Being very aware of inflation and rising healthcare costs, they were unsure how to best plan for long-term care. Both George and Michelle preferred to receive in-home care if and when needed. They also wanted to focus on wealth preservation and do more to help hedge their holdings against volatility in challenging markets.
To provide them a steady and reliable income stream, we explored specialized trust strategies that could create income for them while ensuring a smooth transfer to the next generation later.
The couple owned several pieces of investment real estate. Since they were interested in minimizing hands-on involvement, we helped them gradually roll these over into more passive holdings using the 1031 exchange provisions of the tax law. This allowed them to delay tax consequences while arranging more favorable future tax implications for their heirs.
Focus on finding tax savings was another critical component of our strategy. Working in concert with their CPA, we researched and identified tax planning techniques designed to minimize their tax burden and enhance their after-tax income. This included strategies for tax-efficient charitable giving, fulfilling their philanthropic desires while providing substantial tax benefits.
To help ensure a smooth transfer of their wealth, we organized and helped facilitate family meetings and education to help prepare their heirs for inheritance. This helped ease the awkwardness and ensured essential conversations about family wealth and priorities were successfully held.
This proactive and personalized service includes frequent follow-ups to look for new opportunities and keep the couple fully informed.
*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.