Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Since 1985, Tom Holder and his team have been serving as a guide and advisor to multiple generations of families around the country. Our value to clients extends beyond investment management. Our wealth management core values are rooted in highly customized services and strategies required to meet the needs and complexities that come with serving high-net-wealth families. These include helping clients pursue their retirement lifestyle goals, provide for a child's or grandchild's education and develop tax minimization strategies for transferring legacy wealth to the people and causes that clients care about.
We help clients create and preserve their wealth using a consultative approach, exploring their individual needs, goals, liquidity requirements, time horizon and risk tolerance. Our strategies are then based on what we learned. We believe this collaborative approach, combined with our work ethic, accessibility and responsiveness, is why so many of our client relationships have spanned nearly three decades and multiple generations.
Our technological aptitude minimizes geographical barriers, enabling our team to serve clients throughout the country. We seek to make clients feel engaged in the management of their wealth, guiding them through the processes and key concepts. We hope this helps to cultivate mutual confidence in our relationship and assists clients to make informed decisions about their financial future.
Year after year, we strive to earn clients' trust by keeping them at the center of everything we do. If you know others we may help, please consider referring them to us.
At The Holder Wealth Management Group, we understand that every client situation is unique. We take the time to learn about your complete financial picture and what matters most to you. Using our goals-based approach, we help you define what you want to achieve with your wealth. We then apply our experience and extensive resources to help you establish a path toward the results you desire.
Our team believes that effective wealth management involves more than traditional investment strategies. We employ a holistic approach methodology. Drawing from the vast resources of experienced specialists throughout Merrill Lynch, we help you formulate, manage and pursue your financial goals. The outcome we are working toward: a new-found freedom for you to focus on what's important in your life.
Our investment process is designed to enhance wealth accumulation and preservation using tax minimization strategies that take into account the effects of inflation.
Risk vs. Reward
Risk is often defined as a deviation of an expected outcome. In wealth management, risk is a deviation of expected investment returns. The probability and magnitude of potential deviations are important considerations. Understanding the types of investment risks allows us to better manage risk and pursue optimized outcomes. One of our most important responsibilities is to help you understand potential risks in your current portfolio. The amount of risk you can accept depends on many factors, including your comfort with risk, your financial goals, and your stage of life including the time frame until you may need to use the assets as well as your need for liquidity. We can help you evaluate the risk level appropriate for you and offer strategies designed to pursue your goals within your framework for risk.
One way to manage portfolio volatility is by including a variety of asset classes that have low correlations with one another. We may recommend diversifying your portfolio beyond equities, fixed income and cash equivalents to include alternative investments. If appropriate, we may draw on strategies from both within and outside Merrill Lynch. Our approach is not static.
Investment Advisory Program
Today's markets are fast moving and complex. Many investors do not have the time or desire to make the day-to-day decisions necessary to navigate them. For these clients, our team includes two financial advisors who have been specially qualified in Merrill Lynch's Investment Advisory Program. Tom Holder is a qualified Portfolio Manager who, in addition to traditional advice and guidance, can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Portfolio Manager may manage his strategies on a discretionary basis.
Thomas M. Holder is a specially qualified Senior Portfolio Advisor who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by managing on a discretionary basis custom investment strategies, selecting from a wide range of Merrill Lynch model portfolios and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Advisor may manage those strategies on a discretionary basis.
Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.