Whether you are already retired, or thinking ahead to your future plans, you may have realized it’s time for a review. Since 1997, Holland Financial has helped people plan their retirements confidently, using a simple process guided by knowledgeable CERTIFIED FINANCIAL PLANNER® Practitioners.
Our Financial Advisers are salaried, which means they don’t receive commissions on what they include in your plan. With no incentives to offer a product that doesn’t fit your needs, you can be confident that our Advisers are working as fiduciaries - in your best interests.
A sound financial plan is a customized plan, and it can include a variety of different products and services:
Financial Planning · Investments · Retirement Income Planning · Fixed and Income Annuities · Life Insurance · Long-term Care Insurance
It is important to us that you feel comfortable with the information provided as part of your retirement plan. One way to do this is for you to understand the products and services we offer. At Holland Financial, we are more than just planners - we are also educators. We believe each meeting is an opportunity to teach, and we use easy-to-understand terminology and analogies.
In most cases, our process includes the five steps listed below. Holland Financial doesn’t pick the same products for everyone. Our process is individualized, unhurried, and very deliberate. Most importantly, we are bound to a fiduciary standard by the CFP Board (for those Advisers who are CFP® professionals) and regulatory authorities (i.e., Securities and Exchange Commission & Department of Labor).
Our Typical Meeting Progression:
- Exploration - We discuss your situation, goals and concerns, and your completed Confidential Questionnaire.
- Assessment - Your accounts are objectively evaluated to identify areas of concern and opportunities for improvement.
- Recommendations - We prepare customized solutions for your consideration.
- Implementation - When your plan is finalized, we take care of the paperwork.
- Ongoing Service - We meet annually with most clients but are only a phone call away if you have changes or questions.