We Have a Consistent Review Process
We understand that the key to helping individuals, families, and businesses meet their financial objectives is through open communication and the development of a rapport with our clients. We accomplish this by meeting with our clients at least annually. Many of our clients like to meet with us every six months and sometimes even quarterly.
Customer Service Second to None
We pride ourselves on being accessible and on providing an exceptional client experience. We love our clients and desire to help them meet their goals however we can. As you have unique situations arise, or are looking for answers to questions, you should always feel comfortable reaching out to us.
We Are Fiduciaries By Choice
Acting in the best interest of our clients is the cornerstone of every decision we make. We attempt to understand your unique situation as fully as possible so that we can help you make financial decisions that are in your best interest, not ours.
If you would like to learn more about our processes and how we provide value for our clients, please give us a call or use the contact form below. We would love to get to know you.
Why Five Pine Wealth Management?
1. When was the last time you heard from your financial advisor?
We pride ourselves on great communication and customer service with each and every one of our clients. Building relationships and having a direct line of communication are key when it comes to helping our clients retire successfully.
2. We are not salesmen.
We are professionals that understand investments and economic cycles. We don’t give your money to someone else to manage and we don’t push you into high-cost mutual funds to collect a commission. We act as fiduciaries when we hand-select investments that fit your goals, risk tolerance, and time horizon.
3. We believe in minimizing costs when it comes to investments as well as life insurance.
When was the last time your advisor spoke to you regarding fees? Many of the funds we use are 75-80% less expensive than the industry average. For life insurance needs, we’re advocates of using term-life insurance provided by A+ rated carriers, as term insurance usually meets the needs of our clients at the lowest cost.
4. We implement modern technology and continually evolve our practice to serve our clients’ needs.
You can check your investment portfolio with an app on your phone and receive all updates electronically. If you need funds, we can have them deposited to your bank account within 24 hours.
5. We commit to working hard for clients because we cherish their trust and confidence in us.
We consistently monitor our portfolios to ensure clients have high-quality, low-cost funds, while also rebalancing those portfolios on a regular basis. We act in our clients’ best interest and charge a flat fee for assets under management to avoid any conflict of interest with investment options.
Meet Ben Holzhauser
and Jeremy Morris
Investment Advisor Representative
Ben Holzhauser has over 12 years of experience covering various roles within the financial services industry. Before co-founding Five Pine Wealth Management as an independent financial advisor, Ben served as Vice President of Midwest Markets for a small private equity firm focused on acquiring middle-market companies throughout the U.S. Prior to his involvement in private equity, Ben worked for an investment firm focused on acquiring portfolios of real estate that were distributed to the independent broker-dealer and RIA channels across the country.
Ben earned his Bachelor of Arts degree from University of California – Riverside and his Master of Science degree from University of Edinburgh, Scotland, UK. Ben’s educational experience is concentrated on early twentieth-century economic and social policies across the globe, and in 2012, he founded the Historical Society for the Second World War at the University of Edinburgh. Ben enjoys reading, running in the morning, and spending time with his wife, Rachael. Three of his favorite authors include W.G. Sebald, Leo Tolstoy, and J.M. Barrie.
Current Community Involvements:
- 2018/2019 President, Coeur d’Alene Evening Rotary
- Top 30 Under 40 Winner 2019 – Kootenai County
- Foundation Board, Exchange Club of Spokane
- Best of North Idaho 2018 for Investment Firm
- Member of Post Falls Chamber of Commerce
- Bowling League Champion – Friday Evening 2017/2018 League
Jeremy Morris, MBA
Investment Advisor Representative
Jeremy specializes in holistic financial planning and wealth management for individuals, families and businesses. This includes insurance planning, estate planning, retirement planning and investment management.
After growing up in the Mojave Desert, Jeremy sought refuge from the sun and the heat by heading to the Pacific Northwest. He studied at Oregon State University and earned a bachelor’s degree in Managerial Economics along with an MBA in Wealth Management. He loves English Mastiffs, fishing, general aviation, and spending time with a handful of his closest friends and family.
What do you enjoy most about your career in wealth management and financial planning?
It offers a lot of autonomy and independence, and the work is rewarding. I get a lot of satisfaction through helping people meet their financial and life goals, so going to work every day is something I look forward to.
Do you have a personal investment philosophy?
Every client presents a unique set of challenges and opportunities depending on their life situation, goals, and time horizon. I truly believe that good wealth strategists and financial planners can create a lot of value for their clients. As opposed to using actively managed and potentially tax inefficient mutual funds, I am an advocate of passive investing, indexing strategies, and using low-fee ETFs and mutual funds to meet client objectives.
I believe in building long-term relationships with my clients, and communicate with them regularly to be a resource, build trust, and to increase the likelihood that we meet their defined goals.
3 books Jeremy thinks everyone should read at least once
Economic Facts and Fallacies by Thomas Sowell
Follow the River by James Alexander Thom
Economics in One Lesson by Henry Hazlitt
SmartVestor Advisor Program
There are many advantages to working with a Dave Ramsey recommended SmartVestor Pro. We share Dave’s passion for helping families achieve financial peace through bad debt elimination, and through making smarter consumption, saving, and investing decisions.
We will respond to you within 24 hours.
Five Pine Wealth Management
210 E Sherman Ave, Suite 204, Coeur d’Alene, ID 83814