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Fiduciary

We provide the highest level of care and accountability. Everything we do must be in your best interest.

Complete Transparency

No magic tricks or distractions. Everything we do is transparent. Log into our online system to see your accounts any time, from any device, no matter where you may be.

Experienced

We have been serving client needs for over 30 years which means we probably have experience in situations like yours.

Local & Available

We are not a large institution. We are your neighbors who happen to offer financial expertise. When you call, we answer. When you need someone, we are here.

Different People. Unique Needs

Some people need help accumulating and growing wealth. Others need assistance with the responsibilities wealth creates. No matter your money issues, we will help you find the solutions which best fit

Retire Confident

Retirement is a once-in-a-lifetime experience, but we have helped people retire comfortably and confidently for over 30 years. We can help you too.

Get Comfortable

We provide a safe and relaxed environment where you can be comfortable with your money.

It takes two to tango

We provide the know-how; you provide direction and guidance. 

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.

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.

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.

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.

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. 

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.

Blog Posts
 

Understanding Suitability vs Fiduciary

The financial industry is on the edge of their seats. The Department of Labor is expected to release new rules which would govern the standard under which financial transactions must comply. Currently, the rules require transactions meet a suitability standard and the new rules are expected to require a fiduciary standard.

The best analogy I have come up with to describe the difference is the way my wife and I pick our outfit for any given day. I dress to a Suitability standard; my clothes will always be functional and should reasonably be expected to get the job done. However, some days my wife or kids look at me and say “That just doesn’t look good on you” or “Your shirt doesn’t match the rest of your outfit”. My wife dresses to a Fiduciary standard; function and appropriateness are givens but she wants every element of her attire to be as perfect as possible. She is only satisfied when she feels there would have been no better choice.

Here at DV Financial, we are not too worried about the new DOL rules because we already adhere to a Fiduciary standard as required by the Certified Financial Planning Board of Standards and the rules which govern Registered Investment Advisors. Our concern is not the standard itself, but the regulatory and administrative burden the new rules may introduce.

The rest of the industry seems to be very concerned. According to Investment News, Google searches for ‘fiduciary duty’ have spiked.

Of course my simple analogy is not a comprehensive explanation of a complex issue, but so far most people who I told it to at least understand the big picture. If you have questions about the standards, the rules, or how you are affected let me know. Our mission is to make you comfortable within your own wallet.

rule no.04 by Aart Van Bezooyen