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A smarter plan for your wealth

We believe financial planning is for everyone


Money is central to our lives and the choices we make with our money has a 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.

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 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.

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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?

A normal day for us is answering many of the questions below. 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?
  • How much risk you are taking with your current investment allocation?
  • Do you have an estate plan?  

Our style is based on working together and we want to hear from you. We work with clients all over the country and offer flexibility in our approach, offering in-person or virtual meetings.


What fees are 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, 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 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, 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 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, relocating, 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. Our 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

Financial Planning Subscription 

Starting at $2,500 annually, our financial planning subscription offers a comprehensive approach. It's based on an estimated number of planning hours over the course of a year and includes the initial plan, implementation, 2 review meetings and open access to our team.   

Investment Management 

We charge an annual advisory fee to manage investments. Investment clients may receive financial 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 to manage investments. Investment clients may receive financial 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 18 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 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.

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.

Olivia DiPangrazio Photo Olivia DiPangrazio Hover Photo

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. 

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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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