Investment PhilosophyRecurring Revenue Makes Work Optional

The Fundamentals of Our Investment Philosophy

We do not like to take unnecessary risks.

We believe in assets that generate income, have limited downside risk and have potential to appreciate. Our investment process is based on the following fundamental principles:

Long-term Focus
Our investment time horizon is long. We expect to hold our investments, provided the fundamentals remain the same. We are not speculators, and we also believe there is a time to take profits.

Recurring Revenue
Our investment goal is to replace the monthly paycheck. In other words, the goal is to have multiple sources of unrelated income to minimize the impact if one investment in the portfolio is not performing. Diversification of income streams is critical to our strategy.

Risk/Reward Criterion
Risk of loss is a critical component of our process. Our first question is always, “How does this investment fail?”

Independent Thinking
We don’t follow the crowd. Our process is often viewed as contrarian in our strategy and approach.

Focused but Flexible
Our mandate is to generate risk-adjusted cash flow. We focus on the fundamentals and adapt to opportunities as they present themselves.

We eat our own cooking
We invest your money the same way we invest our own money. We like cash flow, too!


book graphic

Know Your Story

Using our Blue Pages software, you’ll be able to develope your personal finance story, define your financial risks and create long-term goals.

target graphic

Define Your Goal

Whether maintaining independence or striving to achieve independence, the purpose of every portfolio is to be able to understand your personal finance story, better define your risk and establish goals that work for your future.

chart graphic

Finalize Your Portfolio

Cultivate a portfolio containing multiple sources of unrelated, recurring revenue ensures a diversified mix of investments designed to help you endure nearly any market condition.

How we Get Paid

Clients of Holcombe Financial can choose either a financial planning or investment management option.  It is important to us that our pricing model meets the specific needs of your situation. Not everyone needs investment management, but everyone needs a trusted advisor to help navigate the financial planning issues.

If your situation calls for our financial planning expertise, Option 1 is the best choice.  Option 2 includes all of financial planning expertise and brings in our investment management expertise as well to ensure that the financial planning goals are met.

Option 1

Flat Fee Financial Planning
This works perfectly for high-income earners that need our financial planning expertise only. This does include investment recommendations for the 401(k) and deferred compensation plans.

Annual Fee (payable quarterly), minimum fee $750 per quarter
0.25% of Net Worth (excluding home and value of closely-held business) + 1% of Adjusted Gross Income based on the prior year tax return

Option 2

Financial Planning + Investment Management for those that need our financial planning expertise and also struggle with the best investment allocation for their particular situation. Minimum account size is either $2 million or saving $10,000 per month in direct deposit to your investment account, with a minimum annual fee of $6,500 ($1,625 per quarter).

Client Assets Under ManagementAnnualized Management Fee (as a percentage of assets)
Up to $500,0001.25%
Greater than $500,0000.90%
Greater than $5 million and less than or equal to $10 million0.75%
Assets over $10 million0.50%