What is financial planning?
It is how you optimize your limited resources of time and money across unlimited choices.
I believe this can be done when the financial planning engagement is R.E.A.L.
The advisor must be relatable.
The advisor must be empathetic.
The advisor must be attentive.
The advisor must be a listener.
Without these 4 characteristics, you will likely have a bad experience with financial advice and planning.
Who do we help?
Busy, high performers that understand the value of their time. They are willing to outsource a part of their life they don’t understand well so that they can focus on other high-payoff activities that they enjoy.
Our clients aren’t usually unable to handle their finances, just unwilling since they understand the cost of a bad decision.
What’s your process?
All engagements begin with “discovery”. We want to understand your situation so we can determine whether our expertise will be a benefit to you.
The discovery meeting is a 60-minute meeting that is conducted virtually. During that time we will collaborate on an engagement proposal while we uncover more of your needs and goals. You’ll get a copy of that proposal along with a video recording of our meeting to help make your decision.
What’s our investment philosophy?
We feel your investment portfolio should not only grow but provide cash flow to you.
Here’s why…
Regardless of the direction of markets (up, down, or sideways), you usually have use for cash. So why shouldn’t your portfolio have a fairly reliable amount of cash flow that it generates for you?
That being said, we construct investment portfolios with this in min: “total return is a function of three components.”
Delta or "change in price/value". Delta has empirically been measured as about 8-10% for stocks and 3-4% for bonds. The question is why don't clients with a 60-40 portfolio achieve between a 6-8% return every year? Subsequently, doubling their money every 9-12 years? It is because most investors think they can beat the market. If you rely on the data that to construct this part of your portolio you have about 100 years of evidence to support you.
Gamma or "cashflow". This is the Greek letter that takes expertise (i.e. something you should be willing to pay for). The goal of a portfolio manager is to minimize downside risk while generating enough cash flow for the portfolio to continue to grow (with or without distributions) on an annual basis.
Theta or "compound interest". In some circles, compound interest has been referred to as the 8th wonder of the world. It plays a significant part in the portfolio and when combined with the gamma, allows for you to control 2/3rds of your portfolio's return--a compelling notion when you consider that most investors generate sub-optimal results year after year.
Who is Dominique and what is DJH Capital Management?
Our founder, Dominique (or “Dom”) is a husband (to Briana) and father to 3 adult children. He’s built a career in financial services that is over two decades long and includes time spent with hedge funds, broker-dealers, and large investment advisory teams.
Dom’s approach is very consultative and relational—a benefit of running a boutique-style firm that allows each client to be treated more like family.
Dom is the founder and 100% owner of DJH Capital Management, LLC. (“the firm”)—a registered investment advisory firm offering comprehensive financial planning and investment advisory services in states and other jurisdictions where exempted.
Opinions expressed on this website are not intended to be a solicitation for the purchase/sale of securities. Any advice rendered should be considered dynamic in nature and strictly for the use of clients of the firm.
All responses to inquiries to the firm for the rendering of comprehensive financial planning or investment advisory services will be in accordance with federal and state guidelines where applicable. You can
download our firm brochure here.
To learn more about our founder, click here.
What are some of the services you offer?
Our firm is intentional about meeting each client where they are. There are a variety of stages you may go through in your financial life and we attempt to identify where you are during the initial discovery meeting.
Here are some common planning scenarios we deal with:
Creating a Family Bank Solution to Build Generational Wealth (click to learn more)
Paying Less in Tax with Proactive Tax Planning (click to learn more)
15 Retirement Questions You Must Ask Yourself! (click to learn more)
More topics being added each month!
We’re ready to serve you.
Information is everywhere. YouTube this. Google that.
That’s why we’re in the advice business.
We believe that determining your “why” is just as or even more important than figuring out the “how”.
If you’re looking to partner with a firm that understands that helping you achieve your financial goals starts with relationship, we would love to hear from you.
