Investment Advisory Services

DFM provides non-discretionary investment advisory services to clients. Our investment advisory services include an assessment of your current investment portfolio and recommendations for changes based on the individual risk profile and goals of each client.

When designing an investment strategy, we consider each client's attitudes toward risk, lifestyle needs, financial goals, proximity to retirement, and general concerns in determining an appropriate asset allocation. We believe that diversification spreads risk, that risk and return are related, and that asset allocation decisions are the primary determinant of a portfolio's risk and expected return.

Using asset allocation modeling software, we determine if the risk/reward is reasonable and in line with client’s goals and objectives. After we have mutually determined the most appropriate strategy, DFM takes the lead for our clients in the implementation and monitoring of the customized investment strategy.

Unlike many investment, product-sales-based, relationships, DFM's investment advisory fees are charged as a percentage of assets under management rather than an upfront or back loaded commission. We believe this fee-only approach confirms our interests are 100% aligned with our client's investment goals and objectives.  In addition, while account allocations may differ, our clients can rest assured that DFM and its advisors hold the same investments in their accounts as those recommended to clients. We believe this philosophy creates parallel vested interests between DFM and its clients, which is critical when evaluating the investment advice you receive from others.