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Holly Harman

Holly Harman, CFP®

Financial Planner

Holly is a CERTIFIED FINANCIAL PLANNER™ professional. She is passionate and dedicated to empowering her clients to achieve their financial dreams while focusing on what truly matters to them.
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Holly’s Background

Holly began her career at ProVise Management Group over 23 years ago. Beginning as a Client Service Representative in 2000, she embarked on a remarkable journey of growth and education. Throughout the years, Holly obtained her Series 6 license, earned the Financial Paraplanner Qualified Professional™ (FPQP™) designation, and graduated with a Bachelor of Science degree in Finance from the University of South Florida.

Becoming an Investment Adviser Representative of ProVise after passing her Series 65 exam, Holly enjoyed working closely with clients to chart a clear path toward their financial aspirations. Recently, Holly’s dedication and expertise were recognized when she earned her CERTIFIED FINANCIAL PLANNER™ certification.

Holly’s strength lies in her ability to truly understand her client’s unique personal and financial goals. She crafts tailor-made financial plans, ensuring each client’s roadmap is as unique as they are. Witnessing her clients achieve their goals through the plans they co-create brings Holly immense satisfaction and fuels her passion for financial planning.

Holly is married to her husband, Robert, and they share and treasure their Florida roots. Nestled in Clearwater, they raise their four children, building cherished memories together. Holly’s favorite pastimes include traveling with her big family, watching sunsets at the beach, and taking great pride and delight in watching their sons play Little League baseball.

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The ProVise Planning Experience

A financial plan is a roadmap to your financial success. A ProVise financial planner will follow a process that includes the following steps to creating a customized strategy specific to your current financial situation, lifestyle, and future goals.

Planning
1. Understanding Your Personal and Financial Circumstances 2. Identifying and Selecting your goals 3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action 4. Developing the Financial Planning Recommendation(s) 5. Presenting the Financial Planning Recommendation(s) 6. Implementing the Financial Planning Recommendation(s) 7. Monitoring the Progress and Update

1. Understanding Your Personal and Financial Circumstances

Before we can help you reach your goals, we need to understand where you are. We perform a thorough analysis of your current financial situation and upcoming risks before creating a financial plan designed for your increased future success.

2. Identifying and Selecting your goals

Your future financial goals will dictate your current financial choices. We need to understand your goals and then help you prioritize those goals, so we can align your financial strategy with the lifestyle for which you are aiming. We help you balance your goals in a way that is designed to benefit your current lifestyle without neglecting your future financial goals

3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action

It is important for us to first determine what you are currently doing and why. What is your approach to your finances and investments? There is no reason to seek alternatives if what you are doing is working. However, we can only do this in the context of looking at alternatives that may either fine tune what you are doing, or perhaps offer an alternative approach.

4. Developing the Financial Planning Recommendation(s)

Unlike others who just want to sell you something that may not be in your best interest, we do not consider recommendations until we have taken the first three steps of the financial planning process. You do not want a physician to create a treatment plan without a thorough analysis of your current condition and consideration of alternatives. The same is true with your financial health.

5. Presenting the Financial Planning Recommendation(s)

We will provide you with a set of written recommendations sharing our best ideas and thoughts regarding your personal financial situation. For those with a relatively uncomplicated financial life it might be done in a bullet point format, while for others it could be a much longer document. It might even be done with a modular plan focusing on the one aspect that is most concerning to you.

6. Implementing the Financial Planning Recommendation(s)

We help you put the financial planning strategy to work by putting together a checklist of action items for you and us that helps ensure that the plan is implemented in a timely fashion. There is nothing worse than knowing what needs to be done and then not doing it.

7. Monitoring the Progress and Update

Financial planning is not an event that happens one time. It is a continuous process. Life happens and things change. You will not go it alone. We will walk with you through every financial decision, roadblock, obstacle and opportunity to make sure you are staying on track toward your financial goals.

ProVise Planning Experience

Schedule a Complimentary Consultation

Financial planning is not one big thing…it is hundreds of little things™. We will walk with you every step of the way through investments, debt payoffs and everything in between to help you reach the financial goals that matter most to you.

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It’s common for physicians to graduate from medical school with hundreds of thousands of dollars in debt. This can create financial stress at a time that typically has many other financial and familial obligations. A sensible strategy begins with understanding the type of debt, evaluating various repayment plans, and making informed financial trade-offs to expedite the repayment process.

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