Eric Hollen

Owner & financial planner at Helping high earners & good savers gain financial peace of mind. Straightforward advice in a deceptive industry.

[Eric Hollen @OpenWindow_FS]

🎓Many parents give cash. Fewer give financial guidance. During graduation season, give a financial gift that compounds:
➕ knowledge
➕ mentorship
➕ confidence
Start here: https://t.co/xIjMdCYmOn

[Eric Hollen @OpenWindow_FS]

If your entire retirement is pre-tax, you don’t have a portfolio; you have a future tax liability. #Roth #RetirementPlanning

[Eric Hollen @OpenWindow_FS]

The biggest illusion in investing? That you should change your strategy because of a “crisis.” That mindset doesn’t protect wealth, it quietly erodes it over a lifetime. #diversification

[Eric Hollen @OpenWindow_FS]

In a world of scale and automation, our edge is simple: We treat people right.

[Eric Hollen @OpenWindow_FS]

Sad how public economic info seems to come in two forms: today’s news (usually slanted negative) and ancient history

[Eric Hollen @OpenWindow_FS]

Before money moves, make sure it moves smart.

A $76K gift to their daughter was simple, until IRS gifting rules kicked in.

We hit pause, split it between Dec & Jan, and avoided lifetime tracking.

A 5-minute check saved years of hassle.

#TaxSmartGiving #FinancialPlanning

[Eric Hollen @OpenWindow_FS]

Silently making the 22% income bracket effectively 23.3% for Seniors is one of the most devious parts of this year's tax bill. #OBBBA #TaxPlanning #bracket

[Eric Hollen @OpenWindow_FS]

Holding off on IRA distributions until RMDs begin can be shortsighted. End of TED Talk.

[Eric Hollen @OpenWindow_FS]

Government may shut down, but your finances don’t have to. Here’s how to stay steady and open. https://t.co/6dVVnobjrI

[Eric Hollen @OpenWindow_FS]

Personal finance is about agency: aligning your actions with your values, not with the news cycle.

[Eric Hollen @OpenWindow_FS]

This week's prospect dropped in with:

❌12 accounts.
❌An average of 44 positions per account.
❌No clear purpose.

Buried in statements + paying 2% in layers of fees.

The fix?
✅Name each account’s job
✅44→ 4 holdings
✅Slash taxes, slash fees
✅Free up cash flow

Complexity ≠ strategy.

When’s the last time you knew what every dollar was doing?

#WealthManagement

[Eric Hollen @OpenWindow_FS]

Financial planning isn’t a rigid set rules.

It’s a safety net that flexes when life gets messy—so you can breathe.

#CashFlowConfidence #FinancialPlanning

[Eric Hollen @OpenWindow_FS]

Your Roth IRA may be tax-free—but under the SECURE Act, non-spouse heirs must empty it in 10 years.

I recently helped a parent face that question head-on.

We mapped three paths:
✅ Name the child directly
✅ Appoint a custodian until 25
✅ Use a trust until 30+

If life takes an unexpected turn, do what you can to make sure it is part of the plan.

#EstatePlanning #RetirementAccounts #FinancialPlanning #SecureAct #TrustPlanning

[Eric Hollen @OpenWindow_FS]

What happens to your retirement accounts if life takes a turn before your child turns 30?

Even Roth IRAs must be emptied in 10 years under the SECURE Act.

Options:
✅ Name the child directly
✅ Use a custodian (to 25 in CA)
✅ Use a trust (to 30+)

Check your beneficiary forms. It might be the most powerful legal document you’ve signed. When’s the last time you reviewed yours?

#EstatePlanning #SecureAct

[Eric Hollen @OpenWindow_FS]

The most powerful estate doc isn’t a will—it’s your beneficiary form.

When’s the last time you reviewed yours?

[Eric Hollen @OpenWindow_FS]

On the docket this week: a forgotten annuity.

With 50% of the budget earmarked for charity, we asked—keep it or move on?

✔️ No alignment with goals.
✔️ Some income tax.
✔️ No surrender charges.

Solution: Coordination
➡️Sell the annuity
➡️Offset gains with charitable gifts to DAF
➡️Cash flow + charity supported

Generosity works best when it’s tax-smart.

#CharitableGiving #TaxPlanning

[Eric Hollen @OpenWindow_FS]

The real work sponsoring a 401(k)? Fiduciary duty = documenting the process.

Protecting your liability and employees' savings isn’t always about change.

It’s steady hands + showing your work.

Book 30 minutes to client up a thin file with me here: https://t.co/z347DuYscB

#FiduciaryDuty #RetirementPlans

[Eric Hollen @OpenWindow_FS]

Home sold ✅

Next thought: How do we pay the taxes without a giant check?

Easy fix: Build withholding right into a mandatory IRA withdrawal near year-end.

One step, stress gone.

Planning = fewer surprises, more peace of mind.

#TaxPlanning #RetirementMadeSimple

[Eric Hollen @OpenWindow_FS]

“Did I get taxed twice on this?”

One small error revealed a bigger problem: too many accounts, missed credits, and an unnecessary distribution.
✅ Consolidate duplicate accounts
✅ Use a DAF
✅ Roth convert while you can

Coordination > complexity.

#TaxPlanning #CharitableGiving #RothConversion

[Eric Hollen @OpenWindow_FS]

“How do I rebuild retirement in 10 years after writing college checks the size of a house?”

That was this morning’s call: $500k gone to tuition, now $2–3k/mo available to save.

We built a plan with just 2 funds + 1 dashboard.

Simplicity > complexity. Automate and go.
#RetirementPlanning