Holistic Finance LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Holistic Finance serves individual clients, including high‑net‑worth households, offering discretionary and non‑discretionary asset management, comprehensive financial planning (full plans, consultations, and ongoing planning), estate‑planning support via the ENCORE platform, and ERISA 3(21) retirement plan advisory services. The firm manages accounts directly and also provides assets‑under‑advisement monitoring for outside custodial accounts on a monthly or quarterly basis.
Investment decisions are guided by fundamental analysis and client‑specific objectives, with strategies that range from long‑term holdings to trading and the use of model portfolios from Altruist’s Model Marketplace. Holistic Finance also recommends and oversees private placements and other alternative investments when appropriate, and integrates ongoing financial‑planning check‑ins (at least twice yearly) with portfolio monitoring and implementation support.
What distinguishes the firm from many peers is the extent of affiliated business activity and third‑party compensation disclosed in the brochure: certain principals conduct licensed insurance activities and tax or student‑loan consulting and investment‑advisor representatives may receive commissions from insurance product sales, practices the firm identifies as potential conflicts and says it mitigates through disclosures and fiduciary procedures. The firm also absorbs platform fees for model portfolios through Altruist and provides ENCORE‑based estate‑document services and private‑placement oversight — a combination of services not commonly bundled by similarly sized advisors.
Client services
Expertise
Fee options
Full financial plan fees range between $2,500 and $10,000 (negotiable); estate planning support fees range from $1,500 to $5,000; Powers Package and Existing Estate Plan Summary each $300; Attorney review $200, Attorney review plus meeting $500; Binder upgrade $175; Mobile notary upgrades $375-$475; Amendment $150.
$0 - $5,000,000: 1.00% $5,000,000.01 - $15,000,000: 0.75% $15,000,000.01+: 0.5%
Investment Advisor Representatives receive external compensation from sales of investment related products such as insurance as licensed insurance agents.
$250 per hour for consultation services
Ongoing financial planning services fee of 1.00% of AUM or $5,000 per year, whichever is greater, billed monthly in arrears; fees are negotiable.
Account minimum: $100,000
Main office
See officeNinole HI
Advisors at this office
1
Offices (3)
Most active in
Arizona · California · Colorado · Florida · Hawaii · Idaho · Illinois · Indiana · Iowa · Louisiana · Massachusetts · Minnesota · Missouri · Nebraska · Nevada · New Hampshire · New York · North Carolina · Ohio · Oklahoma · Oregon · Pennsylvania · South Dakota · Tennessee · Texas · Utah · Washington
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Lawrence M
CFP®, CFA®, Series 65, Series 66
Lakeland, FL
Holistic Finance LLC
Lawrence Milford is a financial advisor at Holistic Finance LLC in Lakeland, FL, with 13 years of industry experience. He holds the CFP® and CFA® designations along with Series 65 and Series 66 licenses. Prior to joining Holistic Finance, he worked at Ernst & Young LLP for 12 years and had a brief tenure at Workplace Options. Holistic Finance serves individual clients, including high-net-worth households, providing asset management, comprehensive financial planning, estate-planning support, and retirement plan advisory services. The firm employs fundamental analysis tailored to client objectives and offers a range of investment strategies, including private placements and alternative investments, combined with regular financial-planning reviews.
Michael W
Series 66
Ninole, HI
Holistic Finance LLC
Michael Wheelwright is a financial advisor with Holistic Finance LLC in Ninole, HI. He holds a Series 66 designation and has three years of industry experience, including prior roles at Mass Mutual Investors Services and MassMutual Life Insurance Company. In addition to his advisory work, he is president of Reorganism LLC, a consulting and media production business, and serves as an independent contract consultant assisting with student loans through Student Loan Tutor LLC. Holistic Finance serves individual clients, including high-net-worth households, providing discretionary and non-discretionary asset management, comprehensive financial planning, estate-planning support, and retirement plan advisory services. The firm’s investment approach combines fundamental analysis with client-specific objectives and includes strategies such as long-term holdings, trading, model portfolios, and oversight of private placements and alternative investments.
Scott H
Series 63, Series 66
St Louis, MO
Holistic Finance LLC
Scott Humphrey is a financial advisor with Holistic Finance LLC in St. Louis, MO, holding the Series 63 and Series 66 designations and two years of industry experience. Prior to joining Holistic Finance, he worked at Claris Advisors LLC and Wells Fargo Clearing Services. Humphrey is also involved in licensed insurance sales and services as part of his role at Holistic Finance. Holistic Finance serves individual clients, including high-net-worth households, providing discretionary and non-discretionary asset management, comprehensive financial planning, estate-planning support, and ERISA 3(21) retirement plan advisory services. The firm’s investment approach incorporates fundamental analysis and client-specific objectives, offering a range of strategies from long-term holdings to trading and private placements, combined with integrated financial planning and portfolio monitoring.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)