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Holzberg Wealth Management is a Corte Madera, California-based fee-only fiduciary financial advisory firm providing tax-efficient financial planning and investment management for high-net-worth individuals and families, serving Marin County and the San Francisco Bay Area.
Clouded Finances Can Lead to Costly Mistakes
Your financial life can feel like a foggy windshield – when you can’t see where you’re going, it’s easy to make wrong turns. And as life gets more complex, the fog only thickens. Promotions, career changes, running or selling a business, inheritances, divorce, retirement – each one brings new decisions you’ve never had to make before, and the stakes keep getting higher. You might be feeling it already:
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You’re not sure if you’re saving enough, or investing it the right way
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You’re paying more in taxes than you should, but don’t know what to do differently
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Your financial accounts are scattered, and no one is looking at the full picture
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The big decisions, like retirement, estate planning, and protecting your family, keep getting pushed to ‘someday’
Let’s clear away the fog and give you a better view of your financial future.
Our Wealth Management Services
When your financial life is thoughtfully managed and working in harmony, everything feels more in control. We help you make intentional decisions that align with your values and long-term goals. By integrating all aspects of your financial picture, we create a comprehensive strategy where everything works together seamlessly.
COMPREHENSIVE FINANCIAL PLANNING
Personalized financial strategies that bring together every aspect of your financial life into an integrated plan so you can maximize the potential to meet your financial goals.
TAX PLANNING
Minimize your tax burden through proactive strategies that align with your broader financial goals, helping you keep more of what you earn.
INVESTMENT MANAGEMENT
Design a professionally managed portfolio aligned with your goals, time horizon, and risk tolerance. We emphasize efficiency, cost-consciousness, and long-term discipline.
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ESTATE PLANNING & LEGACY BUILDING
Preserve and pass on your wealth with clarity and intention. We help you build a plan that reflects your wishes, supports loved ones, and incorporates charitable goals where desired.
RETIREMENT PLANNING
Strategies for savings, income, withdrawal rates, and benefits – all designed to support a secure and fulfilling retirement.
INSURANCE PLANNING
Protect what you’ve built. We help evaluate risks and guide you on insurance strategies to reduce uncertainty and support long-term financial security.
About Our Firm
Holzberg Wealth Management is a family-owned and operated financial planning and investment management firm based in Marin County, CA. As your financial advisors, we serve you as a fiduciary and are fee-only, so we never receive commissions of any kind. We help individuals and families like you in the greater San Francisco Bay Area and nationwide with the financial decision-making process to organize, grow, and protect your assets.
Why Holzberg Wealth Management
Together, we build a customized plan designed to align your wealth with what matters most – your goals, values, and vision for the future. We’re committed to delivering value that’s always in your best interest, helping you achieve lasting financial freedom and peace of mind.
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FIDUCIARIES & FEE-ONLY
We act solely in your best interest, always. As fee-only financial advisors, we don’t earn commissions or referral fees. Our only compensation comes from the transparent fee we agree upon together, so there are no hidden incentives – just objective advice you can trust.
PERSONALIZED SERVICE
No two clients are alike. That’s why we take the time to understand your specific circumstances and priorities. As a client, you become part of our extended family, and we treat your financial well-being with the same care as our own.
GENERATIONAL EXPERTISE
With over 40 years of experience in financial services, we blend deeply rooted industry knowledge with a multigenerational perspective, offering continuity, legacy-minded planning, and a relationship that endures across generations.
Our Financial Planning Process
Uncertainty clouds judgment. We help lift the fog by bringing visibility and structure so every step forward feels clear, measured, and aligned with your goals.
1. INITIAL ASSESSMENT
We begin with an in-depth conversation to understand your life, your values, and your vision. Together, we identify your financial priorities and clarify what success looks like for you and your family.
2. EVALUATE & PLAN
With your goals as the foundation, we craft a tailored strategy to help you get there. We explore the trade-offs, model potential outcomes, and provide guidance to help you make informed, confident decisions.
3. MONITOR & MODIFY
We don’t set it and forget it. As your life and the world around you evolve, we stay proactive by monitoring progress, adjusting the plan, and keeping you aligned with your evolving goals.
FAQs
1. What does a financial advisor do?
A financial advisor helps you understand where you stand financially, make informed decisions, and build a strategy around your goals. That includes investments, retirement, taxes, estate planning, insurance, cash flow, and other decisions that shape your financial future. At Holzberg Wealth Management, that also means having someone in your corner who’s thinking about how all of those pieces fit together collectively, not just managing them individually.
2. What does a financial planner help with?
A financial planner brings the different parts of your financial life together into one coordinated strategy, instead of leaving decisions to be figured out separately. At Holzberg Wealth Management, that includes investment management, retirement planning, tax planning, estate and legacy planning, insurance, cash flow, and major life decisions that impact all of the above.
3. What is a fee-only financial advisor?
A fee-only financial advisor is compensated directly by clients, rather than through commissions or payments from financial products. Holzberg Wealth Management is a fee-only, fiduciary firm, so our recommendations are built around what’s right for your goals, not what pays us the most.
4. What does it mean to work with a fiduciary financial advisor?
A fiduciary is obligated to act in your best interest when providing financial advice. For our clients, that means having an advisor whose recommendations are centered on your goals, circumstances, and long-term financial well-being.
5. When should I consider working with a financial advisor?
You don't have to wait until your finances become complicated. A financial advisor can be helpful when you're approaching retirement, changing careers, receiving an inheritance, starting or selling a business, navigating a job with equity or stock options, buying a first home, or simply wondering if you're on the right track.
6. What does comprehensive financial planning include?
Comprehensive financial planning looks at your financial life as a whole rather than treating each decision separately. It may include investments, retirement, taxes, estate and legacy planning, insurance, and cash flow – all coordinated so a decision in one area doesn’t undermine another.
7. Does Holzberg Wealth Management provide investment management?
Yes. Investment management is part of the firm's broader wealth management approach, with portfolios designed around your goals, time horizon, and risk tolerance – all coordinated with the rest of your financial plan.
8. Can a financial advisor help with retirement planning?
Yes. Retirement planning is an area we work most closely with clients, whether you’re already retired, approaching it, or still years away. If you are retired or nearing retirement, that often means determining how much you’ll need, how to generate income from your assets, and how decisions involving Social Security, taxes, healthcare, and investments fit together into one strategy. For those still working, it means building a proactive plan around how much to save, how to invest along the way, and what a realistic age or even early retirement could look like based on your circumstances.
9. Does Holzberg Wealth Management offer tax planning?
Yes. Tax planning is incorporated into your broader financial plan. It can include strategies around income, investments, Roth conversions, capital gains, charitable giving, and other decisions that affect your lifetime tax liability. We also coordinate directly with your tax preparer to ensure nothing gets lost and everything is properly accounted for.
10. Does Holzberg Wealth Management work with clients outside Marin County?
Yes. Holzberg Wealth Management is based in Corte Madera and serves clients throughout Marin County and the greater San Francisco Bay Area, as well as clients nationwide.
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