The Holder Wealth Management Group

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The Holder Wealth Management Group

Introduce us to a friend

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 Lynch'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 Lynch 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 Lynch 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 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.


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 Lynch 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 monitor 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.

On your behalf, we can orchestrate strategies in conjunction with your attorneys and U.S. Trust 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.

Managing Risk

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.

 Diversification

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.









*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

  • 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 | Senior Vice President| Wealth Management Advisor | Portfolio Manager

Meet the Team

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.

Your Financial 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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

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 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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*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.

Let’s Have a Conversation

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.

Why Merrill Lynch?

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.


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





Transcript of Video

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

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

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.

Adjusting your plan as your life and the markets change.

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