A Focus on What's Important to You

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 Process

We begin by listening intently to get a clear understanding of your goals, desires and values. Using analytical tools, we develop a full picture of your current financial position and explore how various investment decisions might affect progress toward your objectives. Afterward, we stay connected with you, periodically reviewing your goals and financial position and helping you adjust your strategy as your needs and situation change over time.

Beyond Investment Management

We seek to be a "family financial center" for clients. Drawing on the investment insight of Merrill and access to the banking convenience of Bank of America, we can offer personal financial and life-management services such as:

• Preparing for the financial impact of such life events as marriage, divorce, death of a loved one, career transition, or business retirement, sale or transfer
• In conjunction with Bank of America specialists, reviewing trust documents and estate plans
• College education funding
• Access, through Bank of America, to banking and lending services, including home financing, money market and checking accounts, certificates of deposit, cash flow and liquidity management and debt consolidation
• Coordinating your other trusted professional advisors, such as CPAs, attorneys, business advisors and mortgage lenders
• Working with Merrill specialists to examine insurance coverage
• Our objective is quite simple: to be the first call you make for insightful financial advice and guidance.

*Banking products such as checking accounts and certificates of deposit are FDIC insured to the maximum allowed by law and are offered through Bank of America, N.A., Member FDIC. 

A Customized Road Map to Your Financial Future

Our team believes that effective wealth management involves more than traditional portfolio strategies. We employ a holistic approach methodology. Drawing from the vast resources of experienced specialists throughout Merrill, 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.

Preserving Your Wealth

When clients come to us after many years of wealth accumulation, we often spot inefficiencies in their investing and their cash and debt management. For example, clients may be taking on too much or too little risk and overpaying on their borrowing. We can create a clear map of your current financial situation and assist you in developing a foundation for preserving your assets. Our goal is to help you know where your money is, where it's going and how to keep more of it working for you.

Pursuing Your Retirement Vision

"How much money do I need to retire?"
"How can I make my assets last through retirement and beyond?"
"Is there life after work?"

Today's increased life expectancies mean your assets will have to last longer than those of previous generations of retirees. We can help you develop a realistic strategy for pursuing a comfortable retirement.

Before you retire, we can use Merrill retirement outcome tools to analyze how likely you are to achieve and maintain your desired retirement lifestyle. From there, we recommend tax-advantaged, long-term portfolio strategies. Each strategy is designed to maximize the benefits of company-sponsored offerings or other retirement funding sources.

After you retire, we can develop strategies designed to generate income and help you track your spending. This practice helps you avoid outliving your resources and eroding your legacy. We also help you adjust your strategy should your vision of retirement change. Know we are here to help you pursue your desired enhanced lifestyle or fulfill a lifelong ambition.

Transferring Your Wealth

You've worked hard to achieve the life you desire. Now you want to make a difference in the lives of your heirs, as well as support causes you believe in. Wealth transfer is a personal and sometimes complex process. Your strategy should take into account what is most important to you, whether it be family, charitable interests, business succession or estate tax minimization strategies.

On your behalf, we can orchestrate strategies in conjunction with your attorneys and Bank of America Private Bank professionals. It is commonplace for these strategies to include insurance, trusts, gifts and family partnerships. We custom design your wealth framework to fully encompass your desired legacy. All the details are dependent upon your preferences, be they philanthropic or generational.

Assisting Professionals

We can help time-strapped professionals address their individual, family and business financial needs. We provide wealth management strategies that take into account both your personal and retirement plan investments, including 401(k) and other defined benefit plans.