Our innovative and customized solutions are geared to help you achieve your individual and family goals.
We are a “fee-only” advisor which means we are paid by you, our client, and don’t earn commissions from any of the investments we recommend. Because our allegiance is to you, our client, we provide unbiased advice built to meet your needs. We take great pride in this independence because it allows us to be completely objective as we work to preserve your wealth.
UNDERSTANDING YOUR VISION
At The Holben Group, we start by understanding your vision. Our client-driven process begins with a blank sheet of paper. We want to know what counts to you—your values, beliefs, where you would like to go and what you want your legacy to be—before even starting a plan. Only then will we begin the deliberate process of building a comprehensive wealth management strategy that’s personalized for you.
KNOW YOUR REALITY
Once your vision and goals have been established, we walk through a personal and professional discussion aimed at understanding your current financial reality. These topics include your current assets, investments, income sources, tax situation, philanthropic plans, children's educational needs, estate plans and your retirement goals. Additionally, we will analyze your emotional and financial tolerance for risk.
BEGIN YOUR JOURNEY
We then recommend a plan that is personalized for your unique circumstances. These recommendations will include an appropriate mix of investment, tax, estate, and philanthropic strategies. We advocate asset allocation and diversification which, when done properly, have historically proven to outperform attempts to pick the next "hot" stock. All of the plans we propose are goal-oriented—structured with your individual goals in mind. We do not employee a cookie-cutter approach to investment recommendations—each plan is designed around your individual circumstances.
Our recommendations often trigger further possibilities and discussions—which we then integrate and formalize into your plan for your approval.
MONITOR YOUR PROGRESS
And we don't stop there. Since life and the markets are evolving and unavoidable, we will monitor and adjust your plan and portfolio based on regular review meetings held throughout the year.
START YOUR COMPLIMENTARY FINANCIAL AND INVESTMENT REVIEW
The Holben Group process begins with one simple step—a preliminary, introductory discussion. This free, no-obligation meeting gives each of us the opportunity to evaluate our fit before embarking on a path together. If you have questions about your current existing financial situation, we will be happy to conduct a complimentary financial and investment review.