Holman Wealth Management - The Defensive Advisor

Dallas, TX 75229 

RobertH@defensiveadvisor.com 

972-702-6032 

 

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.
 
The opinions voiced herein are for general information only and are not intended to provide specific advice or recommendations for any individual without complete knowledge of that individual’s total financial profile.  To determine what is appropriate for you, consult 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.

 

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CFA - Chartered Financial Analyst (or CFA®): The CFA charter is 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 candidates report spending an average of 300 hours of study per level). 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

 

CFP® (Certified Financial Planner): The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Individuals who become certified must complete 30 hours of continuing education every two years, and agree to be bound by ethics requirements, in order to maintain the right to continue to use the CFP® marks.

 

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

  • Education – 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 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;

  • 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;

  • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent); 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.

 

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 carry 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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Our Vision

 
To continue building wealth through both offensive and defensive strategies as market conditions change
 
Do you seek a wealthy lifestyle? Do you want to retire early?
Would you like to give more to family or charity?
Do you plan to make substantial assets available to your heirs?

 

Then, you’ve got to make a move to reach your specific lifestyle goals – failure to do so is not an option.  Why talk to us?  We understand the signs of the times, and we know what should be done about them.

 

HWM was formed to offer relationship-oriented financial planning and investment guidance.

 

We work in a fiduciary capacity, servicing clients' needs through an ethical commitment to put their interests above all others.

 

Our investment philosophy is to be opportunistic, while keeping an eye out for when it's necessary to be defensive.  It seems basic to us to use both offense and defense to invest prudently.

 

Our portfolio guidance work lets us communicate freely with investors through weekly reports and quarterly letters. We believe this develops the kind of communicative relationship you really want. 

 

A certified financial planner will do a comprehensive plan for each investor - it's complementary because it's important that we fully understand your current position and objectives.

 

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

 

Call or email us. Set an online video meeting or an in-person appointment to understand what we can do for you.

 

  • Planning for Lifetime Wealth

  • Portfolios

  • Retirement

  • Tax & Estate issues

  • Insurance, Credit & Employee Benefits assistance

  • Medicare, Social Security and Retirement Plan Withdrawals

  • Cash and Debt Management

February 19, 2020

TWELVE o'clock TUESDAY

Investor market report

 

February 11, 2020

TWELVE o'clock TUESDAY

Investor market report

 

January 4, 2020

TWELVE o'clock TUESDAY

Investor market report

 

Pricing

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

 

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

We charge $325 to do a financial plan for a non-investment client.

 

Complementary financial planning is provided to all our investment clients.

Here is a list of read, re-read and partially read investment books in my personal library.

 

Types of Clients

CFA charter award
CFP certificate award
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