Many people approaching retirement have no realsense of whether they're on track. The goal of a professionally built retirement plan is to help replace that uncertainty with a clear, accurate picture of your financial future, so you can move forward with confidence instead of anxiety.
— Michael Wheelwright, Managing Director, Holistic Finance
We believe that without software-driven analysis that aggregates your whole financial life and projects your future accurately, you have no real idea what financial sufficiency looks like for you, whether you're on track, or how you're going to get there.
You feel like the floor could drop out at any time because you have no system telling you whether you're going to be okay.
Without an actual framework for sufficiency, we believe money always feels like it's not enough, no matter how much you have.
You're making financial decisions without a baseline, which means you can't tell when you're ahead, behind, or right on course.
Social Security timing, tax projections, 401k optimization, estate planning, HR benefits - coordinating all of it alone may feel nearly impossible.
— Michael Wheelwright, Managing Director, Holistic Finance
Your retirement plan is built and led by a Financial Planner, supported by investment expertise, and powered by planning software. The different dimensions of your financial life is modeled together, not in isolation.
We build custom, values-aligned portfolios with transparent strategies and regenerative opportunities, so your investments reflect your ethics and serve your vision without compromise. We use eMoney to aggregate your entire financial picture and project your future. You'll see a clear picture of what financial sufficiency could look like for your specific life, including the lifestyle, the timeline, and the number.
An appropriate Social Security claiming strategy can mean additional dollars over your lifetime. We model multiple scenarios against your plan so you claim at an appropriate time for your situation, which may not be the default age.
Retirement income is taxed differently depending on how and when you draw it. We build acoordinated withdrawal strategy across all your accounts that is designed to reduce your tax burden over the full course of retirement, not just year by year.
Asset allocation may shift as you approach and enter retirement. We manage your portfolio to help support sustainable withdrawals, manage sequence-of-returns risk, with the goal of keeping your money working appropriately for where you are in life.
We review your workplace retirement plans, HR benefits, and compensation structureto help you make sure you're capturing the different advantages before and leading up to retirement.
Estate considerations are integrated directly into your retirement plan, helping to ensure your assets transfer efficiently to the people and causes you care about, without unnecessary tax exposure or probate complications.
Quarterly check-ins help keep your plan up to date as your life evolves. When you face a major decision, your advisor is there to model it against your retirement baseline before you commit to anything.
Your retirement plan becomes the baseline against which the different major lifedecisions are modeled. Instead of acting on gut instinct, you'll know the long-term impact before you commit.
See how a purchase or mortgage affects your retirement timeline
before you sign anything.
Understand the potential
long-term financial impact
of a job change, salary shift,
or new benefits package.
Model the risk and
opportunity of
entrepreneurship against
your retirement security.
Evaluate rental
properties as part of
your overall plan, not
as a standalone prospect.
Clients often report similar shifts after
seeing their retirement plan for the
first time.
We believe seeing your actual numbers replaces vague financial
dread with a specific, workable picture. Many clients discover they
may be better positioned than they feared.
Instead of hoping retirement will work out, you'll have a
modeled, defensible date with the numbers behind it, and
a clear path to help you work to get there.
When you have a clear plan in place, you can make more generous
choices today: travel, giving, lifestyle, and opportunity, without the
guilt of uncertainty.
Holistic Finance LLC (dba Holistic Finance) is a Registered Investment Adviser. Registration does not imply a certain level of skill or training. Advisory services offered only in jurisdictions where registered or exempt. Information on this site is for educational purposes only and is not investment advice. Past performance is not indicative of future results. View our Legal Disclaimer and Privacy Policy.
Disclaimer: Advisory and insurance services are offered through Holistic Finance LLC (dba Holistic Finance) an SEC Investment Advisor. All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of Holistic Finance and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Holistic Finance, an Investment Advisor in the State of South Dakota. Being registered as an investment adviser does not imply a certain level of skill or training. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the States where Holistic Finance is legally permitted.
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Your first consultation is complimentary. A Financial Planner will review your situation, answer your questions, and show you what a complete retirement plan could look like for your life.
