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David Holland, CPA, CFP®, hosts PlanStrongerTV™, a financial variety program featuring fascinating guests and a wide array of topics – from the psychology of money to retirement planning to estate planning. Make David Holland your source for interesting information that affects your pocketbook and helps you PlanStronger™ for your financial future.
Watch a promo for an upcoming episode below or click on More PlanStrongerTV™ to explore more previews and guest interviews from episodes of PlanStrongerTV™
David Holland is an author and a financial columnist.
David Holland writes a weekly column on personal finance. You can read his latest column, or peruse the Archives, at www.HollandColumn.com. David has written columns on a wide variety of topics related to retirement planning and managing your personal finances. In the Archives, you will find valuable information (in plain English!) on retirement income planning, investing, life insurance, long-term care, and many more financial topics. These are issues that affect almost everyone.
A former PlanStrongerTV™ guest, Dennis Miller, posed a question to me for his newsletter, Miller on the Money. Dennis wanted to have my thoughts on “robo-advisers” – computer programs that take human beings out of the investing equation. Robos make financial, or even Social Security timeline, recommendations based on general information that is plugged into their software programs. What many people fail to realize is that robo-advice is based on mathematical formulas and rules written by humans. This means the recommendations can be subject to error or to the prejudices of the individuals who wrote the programs. Some large investment companies have gotten on the robo-bandwagon and are now giving their investors the option of using this type of platform as a low-cost, low-minimum-balance-account alternative.
So, what is my personal opinion? I strongly believe that technology is an invaluable tool. Every day, my firm uses computers to perform certain tasks and analyses. Software can also help build a portfolio, but we never tell the computer to “go ahead and manage John Doe’s portfolio.” That is a job that requires human judgment. I’m comfortable with computers “crunching the numbers,” but it’s my team of professionals who will determine how to manage the investments.
David has also written two books in his Confessions of a Financial Planner series: Secrets to a Secure Retirement and How to Get Great Advice & Avoid Financial Scams. The mission of this series is to provide easily accessible information on a wide variety of topics concerning personal finance. Everyone is affected by money issues and, yet, there are few resources available to answer even the most basic of questions in Plain English. It is David's goal to write books that anyone, from any walk of life, can pick up and relate to. He keeps it simple and doesn't use industry jargon to talk over the reader's head.
Holland Financial can help you review your options. Don't let a simple mistake prevent you from receiving all the benefits you've earned. Call 386-671-PLAN(7526) for your one-on-one appointment. We can do a personalized analysis for you.
Planning is part of your everyday life. Vacations, weddings, parties – all are events you’ve taken time and effort to prepare for and organize. Your retirement should be no different … so, take just one hour to PlanStronger™. Learn more about our planning process....
Holland Financial will prepare an objective review of your current investments and financial position. Our analysis examines each component of your current portfolio to determine if improvements can be made. If everything is fine as it is, we will tell you so. Learn more about how we can help you to PlanStronger™.