Financial Advisor: Do You Really Need One?
Do you really need a financial advisor?
In both the world of cars and investments, people tend to gravitate towards one of three roles: DIY Enthusiast, Delegator, or Hands Off.
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You are not your neighbor
There is no magic formula that works for everyone. We have the knowledge, experience and tools to help you plan and achieve your goals.
Investing, not trading
It is not flashy, but the long term outlook has stood the test of time. We seek to capitalize on this trend through patience and discipline rather than guessing when to zig and when to zag.
Independence brings freedom
Our “product” is our guidance and advice, not specific investments. We are neutral and transparent when selecting the solutions necessary to implement your plan.
The media provides exposure, not advice
In this age of information overload, there are an over-whelming number of financial opinions. We help you focus on your specific financial goals by using our experience and knowledge as a filter to cut through the constant noise and chatter.
It is a journey,
not a destination
No matter what your stage of life and career, we can help you. As you change and grow, we adjust so your plan continues to fit your needs.
Putting it all together
All the parts of your life are connected. Getting to know you goes beyond your finances. We want to know your values, hopes, and dreams so your success is not purely financial. A life measured only in dollars can never be rich.
Wealth is not determined by money
Wealth is determined by love, happiness, and relationships. The number of dollars in your account does not make you more or less than anyone else.
Simplicity
It is our job to explain your money in simple and straight-forward terms, not to impress you with jargon and investment “speak”. You can never ask too many questions.
It takes two to tango
We provide the know-how; you provide direction and guidance.
Guided by Our Process
Everyone has access to the same investments. You do not need us (or anyone else) to purchase a stock, bond, mutual fund, or an exchange traded fund (ETF). Investment Management is not about the underlying investments; it is about the process which drives the outcome.
At DV Financial we believe our custom-built ETF portfolios offer the greatest transparency, liquidity, tax efficiency, and lowest expense ratios so our proprietary investment models are ETF based. We manage a variety of models for different levels of risk and market strategies. We do not represent any particular investments and are agnostic to the selection process. The investments are selected based on their own merits.
Our process begins with an assessment of your risk profile based on our discussions with you and supported by evaluation tools such as Riskalyze. We consider your priorities when it comes to expenses, growth vs income, or active vs indexed strategies. Together we determine the DV Financial model, or blend of models, which best fits your overall plan. We can even customize your portfolio to include or exclude specific stocks, bonds, mutual funds, and ETFs. As the world around us changes we monitor and rebalance your portfolio monthly so your investments respond appropriately. We will meet with you periodically and can provide performance reports along the way, but you can log in and see your portfolio at any time.
It is time to get comfortable. Our at goal DV Financial is to explain your money and our recommendations in common terms while providing excellent customer service. Contact us today and allow us to be a part of your management plan.
* Mutual Funds and Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information, about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
The Six Month 95% Probability Range is calculated from the standard deviation of the portfolio (via covariance matrix), and represents a hypothetical statistical probability, but there is no guarantee any investments would perform within the range. There is a 5% probability of greater losses. The underlying data is updated regularly, and the results may vary with each use and over time.
IMPORTANT: The projections or other information generated by Riskalyze regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. These figures may exclude commissions, sales charges or fees which, if included would have had a negative effect on the annual returns. Investing is subject to risk and loss of principal. There is no assurance or certainty that any investment strategy will be successful in meeting its objectives.