Holland, MI · Ottawa County
A Financial Advisor in Holland Who Actually Works for You
You're building a career on the lakeshore. But employer benefits nobody explained, pay that swings with overtime, and a first home you'd like to buy all land at once, and no one is putting them together. We build a real plan around your life, by video, and make sure it gets done.
You're Making Good Money in Holland, but Nobody's Connecting the Pieces
A lot of Holland jobs come with real benefits: a 401(k) match, sometimes a stock purchase plan or profit sharing, and health plan choices that change your take-home pay. The packages are rarely explained well, so most people pick the default and move on.
Meanwhile the first home, the student loans and the emergency fund are all competing for the same paycheck. And you shouldn't have to drive 30 minutes to Grand Rapids to get help sorting it out. You don't.
Each choice looks small. Together they compound for decades, and the longer they go unaddressed, the more expensive they get to fix.
Before vs. After Villaire Financial
Without a Plan
- Picking the default on your benefits and hoping it was right
- Overtime and shift pay that spikes one month and disappears the next
- A first home that feels close and a down payment plan that doesn't exist yet
- An advisor whose office means a drive to Grand Rapids
- A 401(k) match left on the table
- Googling your way through major decisions and hoping you got it right
With Villaire Financial
- Your benefits package explained and used on purpose
- A budget built on base pay, with extra income sent to work
- A down payment timeline that still funds retirement
- Video meetings from home, with the same plan and the same access to Chris
- The full match captured, and contributions that fit your taxes
- Never wonder if you made the right call
Is This Built for You?
We work best with people who have a lot going on financially and want someone in their corner to get everything working together.
Early-Career Professionals
A solid job, a real paycheck, and no one who ever explained where it should go. We make sure you're not guessing.
Couples and Growing Families
A first home, a second income, maybe kids on the way. We put every goal on one timeline so they stop competing with each other.
Business Owners
Your business and your personal future are tangled together. We separate what needs to be separated and make both make sense.
What clients say about working with Chris
"My wife and I have been working with Chris for a few years now. He's been absolutely incredible with helping us manage our finances."
"Chris is one of the most genuine people you will meet in the financial services industry. I trust him to do what is right and he is considerate with all his clients."
"Since getting married two years ago, he has helped us create clear financial plans, stay on top of our money, and set up funds that actually make us feel confident about our future."
Testimonials from current clients of Villaire Financial, LLC. No compensation was provided for these reviews. Individual experiences and results will vary. These testimonials may not be representative of the experience of other clients.
A financial advisor near Holland who makes sure you're actually building the life you want.
Villaire Financial is a fee-only, fiduciary planning firm led by Chris Villaire, CFP®. The office is in downtown Grand Rapids, about 30 minutes from Holland, so meetings are by video unless you prefer to drive in. Planning starts at $50 a month after a $250 onboarding fee, with no asset minimum and no commissions.
Chris started Villaire Financial because the financial services industry has largely overlooked people in their 20s and 30s for decades. He built this firm for young professionals who want clarity and direction with their money, and he is in the same stage of life as his clients.
Meet ChrisYour full financial plan in 30 days. Then we're there as life goes on.
- 1
Week 1
Book a Free 30-Minute Intro Call
Schedule a 30-minute call directly on our calendar. We'll hear about your situation, answer your questions, and tell you honestly if we think working together makes sense.
- 2
Week 2
Deep-Dive Discovery Session
Once we've decided to move forward, we schedule a deeper meeting covering income, expenses, investments, debts, insurance, taxes, and what you're actually trying to accomplish.
- 3
Weeks 3-4
Your Financial Plan
We build your plan across every area of your finances, then meet to present it and walk through it together so you understand the reasoning behind every decision. From there, we handle the execution: account setup, money movement, and your personalized client portal.
- 4
Onward
Ongoing Reviews and Support
We meet at least twice a year to review progress and adjust as life changes. Between meetings, you can reach out whenever something comes up.
What you walk away with
- A personalized financial plan covering every area of your financial life
- A clear picture of where you stand and what to do next
- A secure client portal with all your accounts and goals in one place
- Ongoing investment management, handled for you
- Twice-yearly reviews and an advisor you can reach between meetings
Working with Chris from Holland
Our office is downtown at 2 Fulton St W, Suite 122, but you never have to come in. Everything can be done by video and digitally, from meetings to signing documents to your client portal. If you'd rather meet in person, we're about 30 minutes from Holland. Meetings are by appointment only, and parking is validated in the garage attached to the building.
2 Fulton St W, Suite 122
Grand Rapids, MI 49503
Mon to Fri, 9 to 5 · (586) 322-2953
What it costs. No surprises.
Fee-only means you pay Chris and no one else pays him. Every fee is in writing before you commit to anything.
| One-time onboarding | $250 |
|---|---|
| Planning, per month | $50 to $125, based on income and complexity |
| With $100,000+ managed | Monthly fee waived |
| Investment management | 1.00% to 1.50% a year, only if Chris manages your investments |
| Asset minimum | None |
| Commissions | None |
What People in Holland Usually Ask First
Do I have to drive to Grand Rapids to work with Chris?
No. Everything can be done by video and digitally, from meetings to signing documents to the client portal. If you want to meet in person, the office is about 30 minutes from Holland on I-196, by appointment only, with parking validated in the garage attached to the building.
How much does a financial advisor cost in Holland, MI?
The one-time onboarding fee is $250. Ongoing planning is $50 to $125 a month depending on income and complexity, and it is waived once you have $100,000 or more in managed assets. If Chris manages your investments, that is 1.00% to 1.50% a year on the assets he manages, and the rate drops as assets grow. There are no commissions and no asset minimum.
Is there a minimum amount I need to work with Villaire Financial?
No. There is no asset minimum, so you can start before you have built up much in savings.
How do my employer's benefits fit into the plan?
According to Lakeshore Advantage, the Holland and Ottawa County area has more than a dozen employers with 700 or more employees each, including Gentex, MillerKnoll, Perrigo, Haworth, Magna, Tyson Foods and LG. Packages at employers like these can include a 401(k) match, a stock purchase plan, profit sharing, or some mix, and none of it is visible from the outside. So the first step with any new client is the plan documents from their own employer, which we use to decide how much goes into each account.
Can you help if my employer is a manufacturer with shift or overtime pay?
Yes. Variable pay is easier to plan around when you budget from base pay and direct overtime toward specific goals. Chris also reads your benefits summary first, since the 401(k) match, any pension or profit sharing, and the health plan shape the rest of the plan.
How much do I need to buy my first home in Holland?
The median Holland home is valued at about $252,200, according to the Census Bureau's latest five-year estimate, so 10% down is roughly $25,220. For many people that is the biggest decision of the next five years, and it competes directly with student loans, retirement savings and the emergency fund. We put them on one timeline so you can buy without stalling everything else. Michigan also resets a home's taxable value when it sells, so the seller's tax bill is not the one you will pay.
Does it matter that part of Holland is in Allegan County?
Not for working with Chris, which is done by video. It matters for property tax questions, because the assessor and the tax bill come from the county and township where the home sits. Holland sits in both Ottawa and Allegan counties.
Does Holland, MI have a city income tax?
No. Holland does not charge one, and Michigan's flat state rate is 4.25% for 2026, according to the Michigan Treasury. If you commute to Grand Rapids for work, the city's nonresident rate is 0.75% on wages earned there, which is $600 a year on an $80,000 salary. We build that into your cash flow so it is not a surprise.
Is Villaire Financial a fiduciary?
Yes. Villaire Financial is a fee-only registered investment adviser, legally required to act in your best interest and paid only by its clients.
One Conversation. No Commitment.
A free 30-minute call. You'll leave with a clear answer on your biggest financial priority and an honest read on whether working together makes sense.
Not ready to talk yet?
The Path to Financial Freedom
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Other areas we serve
Sources
- Lakeshore Advantage, major employers
- Census Reporter, Holland (ACS 2024 5-year)
- Michigan Treasury, 2026 individual income tax rate
- City of Grand Rapids, Income Tax Department
- Google Maps, driving directions to the office
Census figures are 2024 five-year American Community Survey estimates and carry a margin of error. Tax rates and program rules change, so confirm current figures with the city, the township assessor or a tax professional. Examples are for illustration only. This page is general information, not tax, legal or investment advice. Last reviewed September 21, 2026.