Kritzer, Holwerda & Associates

Families

Our team is dedicated to helping families navigate every stage of their financial journey with confidence. From building a foundation and growing wealth to planning for retirement and creating a lasting legacy, we provide thoughtful, personalized guidance tailored to your evolving needs. By focusing on what matters most to you, we deliver customized planning strategies designed to align your financial decisions with your life goals—today and for generations to come.

Business Owners

We partner with business owners through every phase of their journey—building, growing, optimizing, and ultimately transitioning their business. We help design and manage retirement plans as a key component of that lifecycle, with Mark bringing over 20 years of experience in 401(k) oversight to help enhance plan value, reduce costs, and mitigate fiduciary risk. As owners approach exit, Josh feels that his CEPA® designation helps him provide guidance in preparing for and navigating a successful business transition. By integrating retirement planning, risk management, and exit strategy into a cohesive process, we deliver customized and appropriate solutions that evolve alongside your business and personal goals.

Private Equity

We support private equity firms by conducting comprehensive reviews of portfolio company retirement plans to uncover opportunities to help reduce fees, mitigate fiduciary risk, and enhance overall plan value. In today's increasingly complex legal environment, companies face growing scrutiny and litigation related to issues such as excessive plan costs, underperforming investment options, and insufficient participant education. Our team helps proactively address these risks by benchmarking plans, improving fiduciary processes, and strengthening oversight—positioning both the firm and its portfolio companies to operate more efficiently while helping to protect against potential legal exposure and creating measurable value.

Customization

We believe the best portfolio is one that aligns with your goals and risk tolerance. Focusing solely on returns overlooks what wealth management is truly about, helping you and your family achieve your aspirations while minimizing unnecessary risk and avoiding potential pitfalls. With these principles in mind, Mark and Josh provide each client with a customized portfolio tailored to their individual needs.

Personalized planning

**Helping you create a personalized plan** At Merrill, we go beyond the traditional role of an advisor. * Your goals, concerns and attitude about investing are the foundation of your plan. * We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family. * We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Team and resources

**Giving you access to our teams and solutions** Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with: * Bank of America specialists, such as mortgage or trust professionals * Timely insights from BofA Global Research1 to help you stay informed and navigate ever\-changing markets * A [full suite](https://www.ml.com/solutions/all.html) of Merrill investing and Bank of America banking solutions ^1^~BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker\-dealer, [Member SIPC](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition