Question 1

Why should I hire a financial advisor?

Accepted Answer

Many financial institutions have rolled out artificial intelligence-based computer systems (also know as "robo advisors") to allow their clients to take a more hands-on, autonomous approach to their investing.  While this enables clients to engage more with their investments, it's not the right solution for everyone.  One thing you will not be able to get from opening an account with a large institution is human interaction with comparable experience to HWM.  The markets are volatile, and DIY investment applications have proven to have questionable processing power with high volumes of trading.  When this happens, we think it's important that you can pick up the phone and speak with an advisor who knows you and your circumstances, and who can provide a solution that is in your best interest.  Moreover, in remaining boutique, HWM is able to take a bespoke approach to client interfacing and share personalized insights about the markets.  While the transactional side of our business does not necessarily set us apart from artificial intelligence and app-based investing systems, personalized attention and the ability to create a plan for your portfolio tailor-fit to your situation is why you might want to consider having a financial advisor.

Question 2

How do I know if I'm optimizing my financials?

Accepted Answer

We believe in making the most of every situation.  The first step to which is keeping three to six months' worth of expenses in a liquid account for safe-keeping.  This is your emergency, or "rainy day", fund.  Beyond that, we recommend that you supplement your income and let your money work for you by investing it wisely.  Equally as important, you should diversify your allocations and allow yourself the flexibility to access your money when you need it.  In today's economy, a low-yielding savings or checking account just doesn't cut it anymore. The best way to make the most of your financial circumstances is to create a plan and ask questions.  How diversified are your assets?  Are you also financially supporting your family?  If life doesn't go according to plan, have you set aside assets for a rainy day fund?  What about your everyday purchases?  Do you have a budget?  Are you able to able to live below your means?  If so, have you set up a dollar-cost averaging routine for investing?  If you are outspending your income, what can we do to help you feel more confident in your money?  What other services are out there that can help you not live paycheck-to-paycheck?  If you struggle with how to answer any of these questions, let's discuss how to maximize your financials.

Question 3

What investment strategy is right for me?

Accepted Answer

Whether you're early in your career looking to invest your money in growth opportunities or    you're retired looking for income securities and securing the money you've earned over a lifelong career, each client's circumstances are unique.  We offer discretionary and open architecture asset management strategies to enhance our clients' experience and help meet your investment comfort level.  There is no single turn-key strategy that works for everyone.  That's why, at HWM, we strive to elevate the client experience by understanding your hopes and concerns on a deeper level than larger firms and utilize that information to add value to your portfolio.  In getting to know you better, we're able to exercise our knowledge and expertise, and craft a plan that protects your assets, hedges against inflation and economic downturns, and structures your investments to grow.

Question 4

What sets us apart?

Accepted Answer

Think of us as your family's CFO.  We offer objectivity, expertise, and best-in-class research to adapt our recommendations to what is best for you and your family's individual needs and circumstances.  We are a family-owned and operated financial advisory and strategic asset management firm that helps individuals and their families optimize their personal finances in the ever-changing markets.  In an effort to provide 360-degree enhancement to our clients' undertakings, we embrace their individuality.  We have developed a suite of customizable services utilizing traditional and auxiliary wealth management techniques to better assist our clients in structuring and achieving their short, intermediate and long-term goals.

Our Services

Wealth Management

Investment Advising

Retirement Planning

Estate Planning

Tax Guidance

Insurance Counseling

Holzberg Wealth Management

Holzberg Wealth Management

Time-Tested Investment Strategies For The 21st Century

About Holzberg Wealth Management

Harris Holzberg, ChFC, CLU

Partner

The founder of Holzberg Wealth Management. Harris is an expert in financial planning and the markets with over 40 years of experience.

Marcus Holzberg

Partner

The managing partner of the firm. Marcus specializes in investing for millennials as well as the information technology and entertainment sectors.

Whatever your financial goals, we'll help you achieve them.

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