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John Robert Holman investment manager
We work hard to increase your wealth

How we can help You

We seek to invest for opportunistic profits and to protect you from giving those gains back when the markets turn down.
 
To say it differently, our investment philosophy is to help ensure that our client's wealth does not erode in disruptive markets.
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We avoid buy and hold to protect you from downside losses.
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Of course, you have objectives.  Do you want  ...
  • a wealthy lifestyle?   
  • financial independence? 
  • enough funds to retire sooner? 
  • peace of mind and security?
  • growth in value while avoiding high risk? 
  • protection from financial loss in bad markets?  

 

Then, you’ve got to make a move to reach your lifestyle goals – failure is not an option.

 

 Why talk to us? 

When change happens, we happen to change.

 

We understand the signs of the times,

and we know what should be done about them.

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If you have questions - we have answers.

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Contact us today and get immediate help.

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What else do you need to know?

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HWM was formed as a relationship-oriented investment manager. We design programs that help you reach your financial goals.  We work to grow our client’s balances in favorable markets, and to protect client’s principal in high-risk markets.

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We don’t try to PREDICT FUTURE trends; we try to ADJUST RISK to CURRENT and FUTURE CONDITIONS.  That’s a significant difference to the general strategy you get from large firms.

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Your financial success is important to us.  We want to help as many people as possible to be successful in reaching their retirement objectives and wealth goals.

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We charge a 1% fee on portfolios we manage, which is industry standard for such services.  Industry studies show that you should expect a 4% excess return (after the fee) or you should terminate our relationship. We seek to do better.  Our account minimum is $50,000.

 

We also provide financial planning services.  For those not ready for portfolio management, we charge a one-time fee of $500 to create a financial plan, with actionable steps.  There is a quarterly fee of $100 (or $35 monthly if preferred) for ongoing financial planning assistance, and we also advise on your outside investment accounts, eg., your company retirement account.

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Call or email us. Let's set up an on-line video meeting or a phone call to discuss what we can do for you.

 

Types of Clients

Services

  • Planning for Lifetime Wealth

  • Investment Management

  • Funding Retirement

  • Tax & Estate planning issues 

  • Insurance, Credit & Employee Benefits assistance

  • Medicare and Social Security choices

  • Retirement Plan withdrawals

  • Cash and Debt Management assistance

​​Just click here, and I’ll be happy to give you a complimentary portfolio evaluation – sending you an email explaining what’s good about the portfolio, how it’s likely to perform in the coming months, and I'll give you a couple of ideas for improvement – again, all at no cost to you. 

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Alternatively, you may contact me by calling 972-702-6032, and I’ll give you a way to securely email your portfolio holdings to me and we will input the data and produce your evaluation report.

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  click here for assessment 

Bi-Weekly e-Newsletter

STOCK MARKET RATING (THE BIG PICTURE) … 6.0 (1-4 bearish, 5 neutral, 6-9 bullish). 

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After reading the full report, if you are unsure how to position your portfolio to take advantage of these conditions, call me to discuss your circumstances. 

 

If you would like, we will do a complimentary portfolio evaluation, and we will explain what ought to be done to improve your situation.

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Plans and pricing

We use industry-standard pricing for our investment management service.  We charge 1% of assets under management.   

 

Complementary financial planning is provided to all our investment clients.

 

We use industry-standard pricing for our financial planning service.  

We charge $500 to do a financial plan for a non-investment client, with a quarterly fee for advice on outside investment accounts and ongoing financial planning services.

 

See more here

Personal Library

Here is a list of partially read, read and/or re-read and investment books in my personal library.  Read all you can about investing.

CFA Charter
XYPN Member Badge
CFP Certificate

 

Holman Wealth Management - The Defensive Advisor

Dallas, TX 75229 

To email us ... click here

972-702-6032 

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Last Edited: July, 2024

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Holman Wealth Management LLC is a registered investment adviser offering advisory services in the State of Texas. Registration does not imply a certain level of skill or training. The information shared on this page shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
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HWM advisors are fiduciaries and as such, always put the client's needs and interests above their own.  All HWM advisors are fee-only advisors.
 
The written content and opinions voiced herein are for general information only and are not intended to provide specific advice or recommendations for any individual without HWM having complete knowledge of that individual’s total financial profile.  Material presented herein is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. 
 
To determine what is appropriate for you, consult HWM or a qualified professional financial advisor.  While we provide general tax and legal information, please consult with a tax professional or attorney on tax and legal issues before proceeding on such information.  No investment strategy guarantees success or assures against occasional losses.

 

CFA - Chartered Financial Analyst (or CFA®): The CFA charter is the gold standard for the investment industry. CFA charterholders enjoy a mark of the highest distinction in the investment management profession, a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals. Passing the three six-hour cumulative CFA exams (Levels I, II, III) is a difficult feat that requires extensive study (successful CFA candidates report spending an average 3,000 hours of study to become a CFA). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry.

 

To earn the CFA charter, candidates must master a broad-based curriculum of investment principles and commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning.

 

The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charter holders to:

  • Place their clients’ interests ahead of their own

  • Maintain independence and objectivity

  • Act with integrity

  • Maintain and improve their professional competence

  • Disclose conflicts of interest and legal matters

 

CFA® charterholders who fail to comply with the above ethics, professional standards and other requirements may be subject to the CFA Institute’s enforcement process, which could result in censure or permanent revocation of their CFA® charter.

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CFP® (Certified Financial Planner): The CERTIFIED FINANCIAL PLANNER™:
The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification from the CFP Board in the United States. 


To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: 
  ●  Education – a) Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and b) attain a bachelor’s degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; and
  ●  Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; and
  ●  Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and  
  ●  Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. 
Individuals who become certified must complete the following ongoing education and ethics requirements to maintain the right to continue to use the CFP® marks: 
  ●  Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the CFP Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and  
  ●  Ethics – Renew and agree to be bound by the CFP Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. 

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CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. 

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Proud member of XY Planning Network! Advisors displaying this badge have been accepted into XY Planning Network by vowing to adhere to strict fiduciary standards and by carrying the CFP® designation. XY Planning Network is the leading financial planning platform for fee-for-service financial advisors who want to serve their Gen X and Gen Y peers by providing comprehensive financial planning services without commissions, product sales or asset minimums. 

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