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The Holder Wealth Management Group

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The Holder Wealth Management Group

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Merrill Lynch
Wealth Management

Our team believes the key to building and maintaining lasting, secure multigenerational relationships is consistent and frequent communication. Through face-to-face meetings, telephone calls and using Merrill's videoconferencing capabilities, we keep you informed. In addition to discussing changes in your personal circumstances and the investment landscape, we help keep you abreast of market opportunities and your specific financial progress. When you call us, you can expect to connect with someone who is ready and able to help you with your questions and concerns.
Personalized Financial Services

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.

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 investment 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 investment 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.

  • Your goals and dreams are at the forefront of our efforts to provide you with a personalized and responsive wealth management experience. We understand that managing your finances in today's fast-moving and complex world demands personalized approaches and sophisticated strategies. It is our intention to understand your total financial picture, assist you in developing a strategy to pursue your objectives and work with you and your family step-by-step on this journey.Tom Holder | Managing Director | Senior Consultant

Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

Staying on Track

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.


    Monitoring changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    Wealth Management Your Way

    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


      Merrill_Capabilities_Brochure.png  

      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.