Does Your Broker have a Specific Plan In Place to Take Your Portfolio to Cash, 
Even in a Down Market
Knowing the Answer to this VERY Important Question, May Save You from Heartache Gained and Money Lost When the Market Goes Down...Remember 2008?
Holman Financial Solutions Is Here to Help!
Our Mission: I believe in Tactical Asset Management where our platform of Private Wealth Managers can go “Risk off” to cash, take advantage of the stock market if it goes up or down and can potentially earn money for our clients if interest rates increase or decrease.

I do not believe that “Buy & Hold” and Asset Allocation Models are appropriate, considering investor drawdowns/losses could be 50% in the S&P 500 as we experienced during the Great Recession.

The idea of low risk and low volatility investing, with attractive returns over time (5, 10, 15 years plus) was an attractive alternative to the “buy and hold” mentality and “just take your lumps” investing that was prevalent. “Past performance is no guarantee of future results. Investing is risky. Investors can and do lose money.”

Here's How I Might Assist You:
  •  Potentially Avoid Unnecessary Risk
  •  Wealth Management
  •  Tax Free Retirement
  •  Financial Planning
  •  Risk Management
*** There is no guarantee that managers will be able to avoid future market losses by going risk off to cash. In addition, holding cash may carry the risk that a manager will not be invested during periods of positive market performance.***
Our Investment Planning Process Includes:
Risk Tolerance
Provide a risk tolerance test to compare to your existing portfolio risk.
Retirement Needs
Meeting with you to learn about your retirement needs and your lifestyle.
Personalized Portfolio
Developing a personalized portfolio allocation based on your retirement goals.
Implementing a Plan
Implementing a plan that strives to achieve your long-term goals & help protect your lifetime planning
Hi, I'm Terry Holman
The Saddest thing I have seen, is when the client's broker DOESN’T HAVE a strategy IN PLACE, to help protect them for WHEN THE MARKET does have another MAJOR CORRECTION and they Lose 40-50% of their Life Savings. My goal is to help you have a better understanding of your investment options in the marketplace. We believe in Tactical Asset Management where our platform of Private Wealth Managers can go “Risk off” to cash, take advantage of the stock market if it goes up or down and can potentially earn money for our clients if interest rates increase or decrease. 

I am here to help you with your retirement plan and needs.

Holman Financial Services recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Low Risk or Low Volatility strategies are generally defined as strategies that have a 10-year maximum drawdown of less than 10%. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.
Have Questions? I am Happy to Assist
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Holman Financial Services. Securities transactions for Horter Investment Management clients are placed through TCA by E*TRADE, TD Ameritrade and Nationwide Advisory Solutions. 
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