PRO­TECT­ING THE PRIN­CI­PAL

The Suit - - Cover Story -

do bet­ter,” said Hol­man. A for­mer civil trial at­tor­ney turned Cer­ti­fied Fi­nan­cial Plan­ner®, he also re­ceived his cer­tifi­cate as a Cer­ti­fied In­vest­ment Man­age­ment An­a­lyst® (CIMA) from the Whar­ton School of Business. “We of­fer fed­er­ally in­sured CD’s that are tied to both the stock mar­ket and to com­modi­ties mar­kets where you can never lose prin­ci­pal. The only ques­tion is how much you make ev­ery year.”

Karis Hol­man is in charge of Cir­cle of Safety’s first cir­cle, which ac­cord­ing to John Hol­man is some­thing that clients don’t of­ten ask about – and very few ad­vi­sors ever talk about. “Prop­erty and ca­su­alty in­surance is where you need to start if you are go­ing to pro­tect somebody. Most peo­ple don’t have an um­brella pol­icy to pro­tect them against li­a­bil­ity in to­day’s liti­gious so­ci­ety,” he said. While ev­ery state rec­om­mends that peo­ple re­view their prop­erty and ca­su­alty in­surance yearly, Hol­man sug­gests that very few peo­ple ac­tu­ally do that.

For the next step in the Cir­cle of Safety process, Hol­man works with clients un­til they have com­plete pro­tec­tion of prin­ci­pal to cap their down­side risk, and start to earn the ben­e­fits of long-term in­vest­ing.

“Our prin­ci­ple is to pro­tect cap­i­tal, pro­duce in­come – and to al­low peo­ple to sleep bet­ter at night,” Hol­man em­pha­sized.

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