A smarter plan for your wealth

You Work Hard, Your Money Should Too

We work to help people make better financial decisions, enabling them to be a positive force.

Making the Most of Your Resources

We begin with an honest discussion to discover your financial planning needs

We build a financial plan and investment model best suited to your goals

We regularly review your plan to ensure progress toward meeting your goals

Working for You

We feel great responsibility to advise people on their money.

We work in your best interest and uphold a fiduciary standard as CFP® professionals and Investment Advisor Representatives.

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'Find your values. The choices we make every day about how we use our money has a direct impact on our families' futures. This is true of our time, energy, and financial resources.’

Check the background of investment professionals associated with this site at FINRA's BrokerCheck.

Combining passion and purpose

Why district financial advisors?

Core Values:

INTEGRITY
doing the right thing

SUSTAINABILITY
making decisions that last

AUTHENTICITY
building meaningful relationships

TRANSPARENCY
we are in this together

Why work with us? If you don't have an answer to these questions our services may be able benefit you.

Why is money important to you?
Are saving enough money and in the right places?
Why do you own the investments that are in your portfolio?
How often are your investments reviewed?
Are you organized financially?
Do you know your net worth?
Do you know if you can retire and how much income you may have?
Do you have enough insurance to cover your family if something were to happen?
Are your investments tax efficient?
Do you have an estate plan?

We work with clients all over the country and offer flexibility in our approach. We are currently offering virtual meetings only.

What fees are associated with your services?

We offer a planning subscription program and charge an annual advisory fee for investment management.

Do you work in your clients best interests?

We are bound to a fiduciary contract as CFP® professionals and Investment Advisor Representatives.

How are you compensated?

Fees from planning agreements and/or advisory fees for asset management.

How often do you meet with your clients?

There is no set formula, we recommend an in person meeting at a minimum 1 time per year, and talk to our clients dozens of times per year.

What is your investment philosophy/how do you invest money for clients?

We don’t believe in timing the markets. We favor low cost investments, diversification, and opportunistic rebalancing. We primarily use low cost ETF’s and Mutual Funds.

What does a financial plan include?

A comprehensive analysis of your financial situation to include your savings and income plan, investments, and risk management.

Personal financial planning and investment services

Services and Fees

Our clients range from families and busy professionals to people making the most of their retirement. We work with federal government and military families, and an array of professionals and entrepreneurs. Our clients have a lot in common, and we provide a mix of personal financial planning and investment management services to them.

Financial Planning Concepts

Cash Flow & Spending Planning

It’s not how much you make, it's how much you keep. Do you know where your money goes? We’ll help you find out, determine how much you need to save, and in which type of account to use.

Retirement & Employee Benefits Planning

Evaluate your ability to retire and the resources available in your unique situation. Federal, military, and corporate benefits are complex and their decisions require care and experience. We’ll help make sure you don’t make an election that can’t be changed, and potentially optimize your retirement income.

Risk Management

We will evaluate your need for insurance and review all existing life, disability, long-term care, home and auto policies to ensure proper coverage is in place to protect your interests.

Transition Planning

Retirement, career change, relocating, divorce. Major changes present challenges and planning opportunities. We’ll help you through the changes with confidence.

Investment Management

A risk based approach provides assurance your portfolio risk level is in tune with your personality and expectations. We recommend a simpler, consolidated account portfolio. Our disciplined approach limits the potential for reacting emotionally.

College Savings

We will explore and analyze how much you need to save for your education funding goals as well assist in choosing the appropriate investment vehicle to use for your education saving goals.

Fees

Financial Planning Subscription

Our financial planning subscription offers a comprehensive approach. Starting at $3,999 annually, our agreement is based on complexity, and includes the initial plan, implementation, review meetings, and access to our team.

Investment Management

We charge an annual advisory fee to manage investment portfolios. Contact us for more details.

Investment Management

Philosophy

You need an approach you can believe in and understand, one based on academic research, analysis, and evidence. We offer a disciplined approach to managing your investments. Using diversification, asset allocation and opportunistic rebalancing we seek to capture market returns and limit risk. Our philosophy is grounded in low cost investments, tax efficiency, and diversification.

Process:

Developing a sustainable investment strategy starts with identifying your investment goals and assessing your risk tolerance. From there we build a strategies using low cost & no load mutual funds and exchange-traded funds. We rebalance opportunistically and make adjustments when warranted by changes in your situation and goals.

Fees

We charge an annual advisory fee to manage investments. Contact us for more details.

* No strategy ensures a profit or protects agains loss.

Inspiring healthy relationships with money

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Team

Justin Holtz, CFP®

Managing Director

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As a kid I worked in my father’s financial planning office and from a young age I’ve seen the impact that saving for the future and making sound investments can make, that's why I'm passionate about helping people realize their goals. I grew up in the Central PA countryside and carry the small town family values I was taught in my approach to working with clients. My clients choose to work with me because they are looking for a straight-forward, relatable, and easy-to-understand approach.

I’ve been an independent financial advisor since 2001 after graduating with a finance degree from Penn State, and have completed post-graduate work to obtain the CERTIFIED FINANCIAL PLANNER™ designation. I'm a 3rd generation advisor with family history dating back more than 55 years.

I live in McLean, VA with my wife, daughter and son. We are active in the community and local chapter of the Penn State Alumni Association and I serve on the board of directors for the McLean Chamber of Commerce. We love hiking, craft beer, and escaping to the mountains whenever possible.

Check the background of this investment professional on FINRA’s BrokerCheck.

ROBERT KLOSS

LPL Financial Advisor

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Check the background of this investment professional on FINRA’s BrokerCheck.

Patricia McKay

Client Services Associate

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Our first point of contact to those who call or visit District Financial Advisors, Patty has been a member of the team since June, 2013. Originally from New Jersey, Patty has considered the Metro Washington DC area home since 1996. Patty has a strong customer service and organization background from her experience in financial services, professional theatre, festival event planning, and corporate IT marketing. Patty lives in Northern Virginia with her husband and two wonderful kids. She has a black belt in taekwondo, loves cooking and entertaining at home, reading, and researching/sewing historical costumes.

Olivia DiPangrazio

Growth Coordinator and Financial Advisor Assistant

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Hello! I am new to the team as of Summer 2020. Justin Holtz is my uncle, and I am eager to be working with him and his team. I will be helping with the marketing side of the business and assisting with other tasks. I am from Hollidaysburg, PA. I am currently an upcoming sophomore at the Pennsylvania State University studying accounting. I have hopes to become a CPA and eventually move into financial planning. Some activities I enjoy are dancing, volleyball, playing the violin, relaxing outside, and spending time with my family.

A smarter plan for your wealth

You Work Hard, Your Money Should Too

Making the Most of Your Resources

Working for You

Combining passion and purpose

Why district financial advisors?

Core Values:

Personal financial planning and investment services

Services and Fees

Financial Planning Concepts

Fees

Investment Management

Fees

Inspiring healthy relationships with money

Latest articles

JOIN OUR MAILING LIST

Unique, sustainable and impactful

Team

Justin Holtz, CFP®

ROBERT KLOSS

Patricia McKay

Olivia DiPangrazio

Get in touch, contact us

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