Interview with Justin Holtz, CFP, Managing Director, District Financial Advisors (DFA)

Interview with Justin Holtz, CFP, Managing Director, District Financial Advisors (DFA)

I grew up in the mountains near Altoona in Central Pennsylvania and attended Penn State University (PSU) to study finance. I’m also a third- generation financial advisor – as a kid I worked in my father’s financial planning office and from a young age I witnessed the impact that saving for the future, making sound investments, and smart financial decisions can make. That experience and background led to a desire to start my own financial services practice and serve families in the community. I’ve been an independent advisor since 2001 and have completed post graduate work to obtain the Certified Financial Planner (CFP) designation.

I’ve been working with federal employees and their families for over 15 years. It originated due to the nature of being in Washington DC and meeting many families who were federal employees. I quickly acquired a basic knowledge of federal benefits and realized the importance of pursuing further advanced knowledge in the subject matter. Then I married a federal employee, which quite literally helped me marry the knowledge I had with practical application with my family now relying on those same benefits! There is a lot that young employees can focus on – making contributions to the TSP and making sure to receive the maximum matching contribution from your agency, investing the right way for your goals, and thinking beyond federal benefits when it comes to financial planning. Often, we see employees who have only thought about the Thrift Savings Plan (TSP) and Federal Employees’ Retirement System (FERS) basic annuity in their planning – there is much more to it. Start early and contribute as much as you can to investing.

I love helping out and being part of the local community, I served on the Board of Directors of the McLean Chamber of Commerce for several years, I’m a member of the Purcellville Business Association & Loudoun Chamber and have been active in the Capital Area Penn State University Alumni Association for many years. Two causes that I’m particularly passionate about – supporting PSU’s Thon.org and St. Jude’s. Financial literacy carries a lot of weight, at the root it’s simply about helping people make decisions that move them closer to their goals and values – the things that they care about the most.

Money can feel confusing and overwhelming, but it doesn’t have to; education and information can break down that wall. Lifelong learning is something that has served me well over the years. Embrace your curiosity! In my free time, I love anything that involves spending time with my family and being outside. Even though I usually get out voted on this – I’ll take the mountains over a beach any day! I’m so excited about this opportunity to be part of the FedChoice community. I’m looking forward to meeting, sharing, collaborating, and learning from you all!

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