At Holt Portfolio Services the comfort of our clients is as important to us as the quality of the portfolios we develop. We offer no company-owned investment products -- investments are recommended solely on merit.

HPS is a registered investment advisor and privately owned, family-operated independent financial services firm based in Fairfax, Virginia. Originally foreign-service-client oriented, HPS specializes today in providing affordable fee-only portfolio management services to all investors. HPS' business continues to be based on long-term relationships established one client at a time.

Phil Holt is the founder and president of Holt Portfolio Services. He makes all investment recommendations to clients. Before founding HPS, Phil was an investment advisor representative and a general securities representative of Linsco/Private Ledger (NASD Series 7 and 65). And previously he was a general securities representative of Merrill Lynch.

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Investment Advisor Phillip Holt wants to know your goals and feelings about risk. His task is to help you identify a financial destination and establish a comfortable course to get there.

Phil employs for you a wide range of online research resources to identify a mix of asset classes (large stocks, small stocks, foreign stocks, bonds, etc.) that should provide the maximum returns at the given level of risk -- and then he hand-picks no-load mutual funds and stocks that correlate to the asset classes.

After establishing the portfolio, Phil uses a variety of resources to supervise the investments -- and rebalance the portfolio when the market and economic circumstances dictate or your needs change.

A former career Foreign Service Officer, Phil regularly appears in the Department of State and USAID Retirement Transition Program. He holds an MBA concentrated in investments and worked 5 years for the nation's largest securities firm. His article on using the price-volume relationship of a stock market index to increase equity returns was featured in the June 1996 issue of Technical Analysis of Stocks &Commodities magazine.

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If a program that offers you access to many of the country's most distinguished mutual fund families, as well as individual stocks and bonds -- on a fee basis instead of commissions -- sounds like a good way to invest over time, the Ambassador Program could serve as your ideal investment resource.

You'll enjoy these benefits in the Ambassador Program:

Professional Management through Asset Allocation

Uses a wide range of asset classes to ensure your portfolio enjoys the greatest potential for return while helping to reduce overall risk through true diversification.

Fee-based Compensation

Aligns your advisor's objectives with your own: superior long-term performance for your account.

Ability to Switch Between Funds and Fund Families

As your objectives or the economic climate changes, you will be able to rebalance your investment portfolio without paying commissions. Your advisor is able to take advantage of more than 3250 mutual funds with varying investment objectives to help meet your needs.

No Fee IRA

The annual IRA maintenance fee is waived on all IRAs in the Ambassador Program.

Holt Portfolio Services' Client Account
(password protected link to online account information)
Big Charts
(quotes and charts)
Calvin and Hobbes
(a bit of fun)
CBS MarketWatch
(investment news megasite)
Investopedia.com
(investing glossary)
Investor Home
(investing link collection -- if you want to dig in, start here)
Smart Money Pundit Watch
(pick your guru)
USA Today
(quick, clean, understandable -- like the hard copy)

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Holt Portfolio Services does not take custody of or handle client securities or cash.

Each client provides Holt Portfolio Services with written authorization to buy or sell securities in their securities accounts.

TD Ameritrade provides Ambassador Program accounts with custody, execution and record-keeping services.

TD Ameritrade was chosen based on its reputation as one of America's leading nationwide discount brokerage firms.