Holland Investment Management, Inc.

The firm provides fee-based, full-discretion investment advisory services to individuals (including high-net-worth), pension plans, corporations and trusts, and also offers 401(k) plan consulting and financial planning. It manages about $64 million in client assets for roughly 37 advisory clients and operates with a two-advisor team while also serving as consultant to employer retirement plans.

Its investment approach is a Global Macro, top‑down allocation process that can allocate across up to four major groups and 19 distinct asset classes, with six risk‑based model strategies plus institutional and opportunistic multi‑asset options. Portfolio implementation is delivered through the firm’s wrap‑fee program (investment management is offered only through that program) and can include ETFs, open‑ and closed‑end mutual funds, individual securities and alternative exposures selected from managers supported by large institutional platforms.

Several features distinguish the firm from many peers: it sponsors and manages only wrap‑fee accounts (a relatively uncommon structure for supported firms) and emphasizes wrapped accounts with no transaction costs within its custodian arrangements. The firm also maintains a long‑standing 401(k) consulting practice with extensive participant education and monitoring, and discloses that an associated financial professional spends a portion of time (about 5–10%) placing commissionable insurance products, an affiliation disclosed as a potential conflict of interest.