Holistic Wealth Advisors

07/04/2026

This 4th of July is a milestone year! 🗽

It’s our nation's 250th birthday.

Hope most of you are enjoying a long weekend celebrating this historic anniversary.

From our family to yours, wishing you a happy Independence Day weekend. 🎆

07/02/2026

Dog Days of Summer are here. ☀️
We are keeping cool in the office today. Even the dogs want to stay inside!

A few simple ways to stay cool and safe:
• Start hydrating before you feel thirsty 💧
• Plan walks/yardwork early or after sunset
• Keep indoor spaces shaded (close blinds mid-day)
• Take AC breaks if you’re out running errands
• Check on neighbors, older relatives, and pets 🐾

What’s your best “beat the heat” tip?

07/01/2026

It's July 1. Six months of 2026 are gone. ⏳

If you're like most of the people we work with, the year hasn’t gone exactly the way you sketched it out in January.

➔ Maybe the market did something you didn't expect, and your priorities look different from what they did six months ago.

➔ Maybe a parent's health changed, or an adult child needed help, or a grandchild arrived, and now the estate strategy you finalized two years ago doesn't quite match the family.

➔ Maybe the business had a better year than projected, or you’re managing through some other issues.

➔ Maybe you sold something, bought something, retired, semi-retired, or finally admitted you're not going to retire when you said you would.

Any one of those is a reason to revisit your approach before December, not after.

The clients who feel most in control of their financial lives are the ones who don't wait until year-end to find out what the year actually was.

06/29/2026

Who knows what the “GPT” in ChatGPT actually stands for?

I'm guessing very few people.

And that's fine, most of us just know it as something that's suddenly everywhere.

If you’re curious, it stands for Generative Pre-trained Transformer.

As you know, it creates new content, learns from an enormous amount of text, and understands context rather than just keywords.

But the more interesting question isn't what it stands for. It's what to actually make of it and how it will affect our lives.

AI is genuinely useful for organizing information, finding patterns, and explaining things quickly. It can be a big timesaver.

What it isn't good at is knowing you—your family, your goals, the tradeoffs that matter to you, and the context behind the numbers.

That's the part that still requires a person.

We're not AI experts. But paying attention to what our clients are hearing, reading, and wondering about is part of the job. If we can help make something feel a little less unfamiliar, that's worth doing. 🤝

Tell the truth, did you know what it stood for? Or are you like most of us, and you don’t care, you just like what it can do?

06/25/2026

We are proud to partner with Clark Capital Management Group who won Prudential Advisors Award for Asset Manager of the Year last night at the Investment News Awards. We also want to congratulate Clark's CEO Brendan Clark who won The Thrivent Award for Excellence in Philanthropy and Community Service. On behalf of Holistic and our clients, we extend a round of applause to the Clark team and want to express our gratitude to everyone at Clark. We are grateful to work alongside such a great group of people at Clark Capital! Bravo! 👏

Top advisors and firms traded spreadsheets for trophies as the financial services industry gathered for a red carpet celebration at the Edison Ballroom in Times Square

06/25/2026

Which is the final word: your beneficiary designations or your will?

Your beneficiary designations. In almost every circumstance, it’s beneficiary designations.

It's one of the most overlooked facts in estate strategies. The beneficiary forms on file for your retirement accounts, insurance policies, and other accounts are legally binding—and they almost always override whatever your will says.

A former spouse still listed on a retirement account can inherit it. Someone written out of your will entirely can still receive an insurance payout. Assets intended for your children may pass to someone else because a form was never updated.

This applies across the board—even to payable-on-death bank accounts. 📋

The good news: a beneficiary review takes minutes. 💙

When did you last review yours?

06/24/2026

Most couples spend years preparing financially for retirement.

Very few have talked about what retirement will actually look like.

Not the number. The life.

👉 Where will you live?

👉 What will your days look like?

👉 What happens if one of you is ready to stop working and the other is not?

A 2025 Fidelity survey found that 48 percent disagree on the age they prepare to retire. And research from Ameriprise found that nearly two-thirds expect to retire at the same time, while only 11 percent actually do.

The gap between what couples assume and what they have actually discussed is where retirement quietly breaks down.

The good news is that most couples are not as far apart as they fear. They just have not had the conversation yet.

👉 If retirement is somewhere on your horizon, the most valuable thing you can do right now is not check your portfolio.

It is to sit down with your partner and start asking the questions you have both been putting off.

06/21/2026

There's a version of your father you didn't know. The one who existed before you came along. Before the responsibility. Before the sacrifices, you may not have fully understood until you were older.

Most of us only piece that together with time.

What fathers leave behind isn't just memories. It's a way of moving through the world.

A standard.

A sense of what it looks like to take care of the people who depend on you.

That's worth honoring. 👔

Happy Father's Day weekend to every father and father figure out there.

06/19/2026

That's Abraham Lincoln's signature.

It appears on the Emancipation Proclamation, signed January 1, 1863.

Yet, it would be two and a half more years before enslaved people in Texas learned they were free.

They were kept in the dark on purpose.

On June 19, 1865, Union soldiers arrived in Galveston and delivered the news.

That's what Juneteenth commemorates.

It has been celebrated by Black Americans for more than 150 years and became a federal holiday in 2021. It's a day worth understanding, not just observing.

Wishing everyone a meaningful Juneteenth. 🤍

06/17/2026

Saving for retirement gets a lot of attention. Spending those savings can be just as important.

A recent survey found that only 31% of Americans know what “decumulation” means — the process of drawing down retirement assets over time.

That uncertainty may help explain why some retirees spend far less than they could. One report found that about one-third of retirees still had 100% or more of their initial retirement assets by their mid-80s.

For many people, the concern is not just having enough saved. It is knowing how to use those savings while accounting for healthcare costs, inflation, taxes, market changes, and longevity.

Common withdrawal guidelines, such as the 4% rule, may provide a starting point, but they do not account for every personal circumstance.

The transition from saving to spending can be both emotional and financial. After decades of building retirement assets, using them thoughtfully can take a different kind of confidence.

Many Americans spend decades saving for retirement, but lack a plan for using that money once they stop working, a new survey finds. Here's what to know.