Karly Holland (CFP®)

Karly Holland focuses in the
following client markets or areas of practice:

  • Cash Flow/Budgets/Credit Issues
  • Corporate Executives
  • Federal Employees
  • Investment Advice with Ongoing Management
  • Retirement Planning & Distribution Rules
  • Tax Planning

Planning Specialties

Divergent Planning provides cohesive financial and investment services to mid-career professionals, pre-retirees, and federal employees. As a client, the services you receive will be designed to meet your needs and achieve your goals, and may include the following:

  • Budgeting/cash flow planning
  • Risk management
  • Retirement account/pension planning
  • Investment management
  • Insurance analysis
  • Tax optimization
  • Estate planning
  • Employee benefit analysis
  • Social Security and Medicare analysis
  • Health care cost analysis

We base our investment philosophy on the same principles that inform our financial planning services, combining our individual advisors’ expertise to craft an investment portfolio to help you attain your long-term goals. 

When it comes to investment portfolios, we take an active approach to asset allocation. Your asset allocation will be based on potential long-term market conditions and may change according to current economic factors.

Even as our asset allocation process is an active one, we take a passive approach to filling those asset classes, meaning we mostly use diversified exchange-traded funds (ETFs) and mutual funds. This diversification is designed to help insulate you from short-term market conditions while pursuing potentially higher long-term returns.

Additional Information

Karly Holland’s inspiration for a career in financial planning was sparked in college when she realized that many of her peers didn’t understand basic budgeting. Karly’s dad had taught her to be responsible with money, and she wanted to build on that knowledge so she could help herself and others. Today as a CERTIFIED FINANCIAL PLANNER™ professional, she is thrilled to help Divergent Planning's clients understand the why and the how of their financial planning recommendations so that they can feel confident that they are on the right track.

As an Associate Financial Planner, Karly assists in prepping for client meetings, preparing financial plans, and researching clients’ questions. With a background in tax projections and preparation, she also reviews tax returns and analyzes the potential tax impacts of strategies such as Roth conversions. Karly enjoys the tax-planning aspect of her responsibilities, particularly when she works with people who are getting close to retirement, when the impact can be crucial. She counts her most satisfying career moment as the day she presented a financial plan to a client, who thanked her, saying a weight had been lifted off them.

NAPFA Start Date

July 01, 2020

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This Office

6701 Democracy Blvd Ste 300 Bethesda, MD 20817-7500 Phone: (240) 428-8911