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A smarter plan for your wealth

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We believe financial planning is for everyone 


Money is central to our lives and the choices we make every day about money have lasting impact. We are always working to improve the lives of our clients by helping them make better financial choices, enabling them to be a positive force in the world. 

Our approach is founded on 3 steps


Discover.  We begin with an honest discussion of your needs to create a long-term financial plan for your family

Build.  We create a financial plan and investment model best suited to your goals

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

Working for you


We feel a great sense of responsibility and pride to change what it means to be in the business of advising people on their money. We work in your best interest and uphold a fiduciary standard as CFP® professionals and Investment Advisor Representatives.


'Find your passion. The choices we make every day about how we use our resources have direct impact on us and our families' futures. This is true of our time, energy, and financial resources alike.’

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

Combining passion and purpose

Why District FA




Core Values:


INTEGRITY
doing the right thing, always

SUSTAINABILITY
making decisions that last

AUTHENTICITY
building meaningful relationships 

TRANSPARENCY
we are in this together

Why work with us?

A normal day for us is spent answering many of the questions listed below. If you don't have an answer to one or more of these questions, then our services could be a benefit to you. 
 
  • Do you know if you are saving enough money?
  • Are you saving money in the RIGHT places?
  • Do you know how or why you own the investments that you own right now? 
  • How and 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 your assets can produce?
  • Do you have enough insurance to cover your family if something were to happen?
  • Do you know how much risk you are taking in your current investment allocation?
  • Do you know how much in fees you are paying for your current investment mix? 
  • Has your advisor communicated their investment philosophy to you? 

Our approach favors collaboration and communication isn’t reserved for review meetings, we want to hear from you often. We work with clients all over the country and offer flexibility in our meeting approach. We offer in-person or virtual meeting arrangements based on your preference and geography.

district financial advisors FAQ's

What are the fees associated with your services?

We offer hourly consulting and retainer arrangements ala carte for planning services. We charge an annual advisory fee for investment management. Investment clients receive planning as a value added service included with the advisory fee. 

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 2 times per year. We 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 young families and busy professionals to people making the most of their retirement. We work with federal government and military families, and a range 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, its how much you keep. Do you know where you money goes? We’ll help you find out, determine how much you need to save, and in which type of account to put it.

Retirement & Benefits Planning

Evaluate your ability to retire and the resources available within 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.

Insurance Analysis

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

Investment Analysis

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. This disciplined approach limits the potential for reacting emotionally. We also include specific investment advice for employer sponsored retirement plans and incorporate these plans into your overall portfolio.

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

Planning Retainer Program  

Starting at $600 annually, our retainer program offers a holistic approach. It is based on an estimated number of planning hours over the course of a year and includes the initial plan presentation, implementation, 2 review meetings and unlimited access to our team.   

Hourly Consulting Program 

Advice on a specific situation or set of circumstances is offered at $150 per hour.  

 Investment Management 

We charge an annual advisory fee that is based on a percentage of your investments in our care as assets under management. Investment clients receive planning as a value added service included with the advisory fee. 

 


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 comfort level with risk. From there we can build a strategy using low cost & no load mutual funds and ETF’s. Once in place we will rebalance opportunistically and make adjustments when warranted by changes in your situation and goals. We do not believe in timing the market.

Fees 

We charge an annual advisory fee that is based on a percentage of your investments in our care as assets under management. Investment clients receive planning as a value added service included with the advisory fee.

 

* No strategy ensures a profit or protects agains loss.

Inspiring healthy relationships with money

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Unique, sustainable and impactful

Team


Justin Holtz, CFP® Photo Justin Holtz, CFP® Hover Photo

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, because of this I am passionate about helping people realize their goals. I grew up in rural Central PA and carry the small town family values I was taught with me in my approach to working with clients everyday. My clients choose to work with me because they are looking for a straight-forward, relatable, and easy-to-understand approach.

I’ve been a practicing financial advisor for over 16 years. I have a bachelors degree in finance from Penn State and have completed post-graduate coursework to obtain the CERTIFIED FINANCIAL PLANNER™ designation. I am a 3rd generation advisor with family history dating back more than 55 years.

I live in Arlington, VA with my wife and baby daughter. We are active in the community and local chapter of the Penn State Alumni Association. We love hiking, craft beer, and escaping to the mountains whenever possible. 

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

Bill DuBose, CFP® Photo

Bill DuBose, CFP®

Managing Director
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Bill DuBose is a CERTIFIED FINANCIAL PLANNER™ professional and Managing Director at District Financial Advisors.  He provides comprehensive financial planning, investment and insurance advice to individuals and families with a focus on working with women in transition.

Prior to becoming a wealth advisor, Bill had a 15-year career as a federal lobbyist and trade association executive.  With his change in focus, Bill has not only been able to assist his clients, he has welcomed the opportunity to give back to his community through many organizations.  His community and charitable involvement includes the following:

  • McLean Project for the Arts ~ Former Chairman of the Board
  • Greater McLean Chamber of Commerce ~ Former Chairman of the Board
  • Arts Council of Fairfax County ~ Member, Board of Directors
  • Virginia Commission for the Arts ~ Member, Major Arts Organizations
        Advisory Panel for General Operating Support: 2015, 2016 
  • McLean Community Foundation ~ Former Trustee and Officer
  • Virginia Hospital Center Legacy Planning Committee ~ Member
  • Colon Cancer Alliance ~ Member, National Council
  • Financial Planning Association ~ Member
  • McLean Estate Planning Council ~ Member
  • Prevent Cancer Foundation ~ Member of Audit Committee
Education:
  • Clemson University ~ Bachelor of Science in Economic Biology
  • Texas A&M University ~ Master of Agriculture in Natural Resources Development
Check the background of this investment professional on FINRA’s BrokerCheck.
ROBERT KLOSS Photo

ROBERT KLOSS

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

Patricia McKay Photo

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.

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Contact



Address

1485 Chain Bridge Road Suite 200
McLean, VA 22101

Email

jholtz@districtfa.com

Office

703 942 8750

Fax

703 942 8757

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