HOLLAND PRODUCTIONS INC.
ORMOND BEACH, FLORIDA

A married couple, “Bob” and “Betty” (names changed), sent me a question recently about “Umbrella Policies,” so, for those of you who are unfamiliar with this insurance product, here’s the scoop. An Umbrella Policy, also known as a PUP (Personal Umbrella Policy), is used to protect your assets from a lawsuit or substantial liability claim. As the term implies, umbrella insurance is an added layer of protection over and above homeowners and automobile insurance products. Therefore, to be eligible for a PUP, you must already have a certain amount of auto and homeowners insurance in place. . The mission of this series is to provide easily accessible information on a wide variety of topics concerning personal finance. Everyone is affected by money issues and, yet, there are few resources available to answer even the most basic of questions in Plain English. It is David's goal to write books that anyone, from any walk of life, can pick up and relate to. He keeps it simple and doesn't use industry jargon to talk over the reader's head. We Can Help You PlanStronger™ for Your Financial Future and Retirement Holland Financial can help you review your options. Don't let a simple mistake prevent you from receiving all the benefits you've earned. Call 386-671-PLAN(7526) for your one-on-one appointment. We can do a personalized analysis for you. It is important to us that you feel comfortable with all the information provided as part of your retirement plan. One way to do this is for you to fully understand the products and services we offer. At Holland Financial we are not just planners, we are also educators. We believe each meeting is an opportunity to teach, and we always use easy-to-understand terminology and analogies. In most cases, our process includes the five steps listed below, though some clients will not need all the meetings. Holland Financial doesn’t pick the same products for everyone. Our process is individualized, unhurried and very deliberate. Most importantly, we uphold a fiduciary standard by choosing products with your best interests in mind. Our Interview and Consultation is all about getting to know each other. David Holland feels strongly about educating our clients from day one. This includes giving you information about who we are and what we do. You will become acquainted with the services and products we offer for retirement planning. David will talk to you about your needs and goals … and most importantly, he will really Additionally, your completed Confidential Questionnaire and supporting financial statements help us know you better, and are the starting point for your plan. These items, which we will review at this first meeting, will assist us in determining how we can be of service to you. Once our planning team has thoroughly evaluated the information you’ve provided, a is prepared and we are ready to meet again. . This full-color, bound booklet (produced in-house) contains the options and approaches we believe will help improve your individual financial situation. Your custom Plan may include: Annuity and Insurance Product Recommendations - Annuity and insurance products allow for principal protection and a fixed income stream. There are many types of products to choose from, and we are committed to offering the ones that make the most sense for you. You will be given written materials on the carrier and rating, and a full brochure detailing product information. . Welcome to Holland Financial – the last firm we hope you’ll ever need! The final meeting in the process, the is the analysis of a portfolio of stocks as opposed to selecting stocks based on their unique investment opportunity. The objectives of Modern Portfolio Theory are to determine a client's preferred level of risk and then construct a portfolio that helps increase their expected return for such risk. A married couple, “Bob” and “Betty” (names changed), sent me a question recently about “Umbrella Policies,” so, for those of you who are unfamiliar with this insurance product, here’s the scoop. An Umbrella Policy, also known as a PUP (Personal Umbrella Policy), is used to protect your assets from a lawsuit or substantial liability claim. As the term implies, umbrella insurance is an added layer of protection over and above homeowners and automobile insurance products. Therefore, to be eligible for a PUP, you must already have a certain amount of auto and homeowners insurance in place. . The mission of this series is to provide easily accessible information on a wide variety of topics concerning personal finance. Everyone is affected by money issues and, yet, there are few resources available to answer even the most basic of questions in Plain English. It is David's goal to write books that anyone, from any walk of life, can pick up and relate to. He keeps it simple and doesn't use industry jargon to talk over the reader's head. We Can Help You PlanStronger™ for Your Financial Future and Retirement Holland Financial can help you review your options. Don't let a simple mistake prevent you from receiving all the benefits you've earned. Call 386-671-PLAN(7526) for your one-on-one appointment. We can do a personalized analysis for you. Investment advisory services are offered through Holland Advisory Services, Inc., a registered investment advisory firm. Insurance products are offered through Holland Insurance Services, Inc. Tax preparation services are offered through Holland Tax & Accounting Services, Inc. These separate, affiliated companies share common ownership under Holland Financial, Inc. Nothing contained herein should be considered investment, insurance, tax, or legal advice. Views expressed concerning specific securities are not an offer to buy or sell. Investment advice and planning services can only be given after an analysis of an individual's situation and only where Holland Advisory Services is registered or exempt from registering. Reverse mortgage loan origination services are offered through Holland Mortgage Services, Inc. (NMLS #1432962), a Florida licensed mortgage broker and a subsidiary of Holland Financial, Inc. David Holland is a licensed loan originator (NMLS #1184596).