Lakeland, FL Office

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.