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.
Our clients aren’t usually unable to handle their finances, just unwilling since they understand the cost of a bad decision.
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.
Build Your Safety Warchest™
We set aside 2–5 years’ worth of living expenses in highly liquid, low-volatility assets (cash, short-term bonds, permanent life insurance cash value). This “Reserve Jar” gives you uninterrupted spending even when markets dip—so you never have to cut back on what matters most.
Set a North-Star Withdrawal
We calculate your initial withdrawal based on your portfolio size and income goals (typically 5–6%). This “base allowance” becomes your guide for predictable annual income.
Apply Dynamic Guardrails
Using rules pioneered by Guyton & Klinger (read more here), we create “guardrails” around that withdrawal rate. If your portfolio grows beyond an upper threshold, you may increase your income modestly; if it falls below a lower threshold, you temporarily draw from your Safety Warchest™ until your portfolio recovers.
Fund Your Freedom
With your essentials covered and guardrails in place, we plan for bucket-list trips, family giving, and the joys that make retirement fulfilling. We meet 3–4 times per year to review your WAF™, adjust as needed, and keep you on track.
Your WAF™ is a simple, powerful way to create reliable retirement income while protecting against market risk. Built on sound investment principles and personalized to your life, it helps you fund the lifestyle you want today—and preserve the wealth you need for tomorrow.
Ready to live your freedom years with clarity? Let’s build your plan together.
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.
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
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)
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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.
DJH Capital Management, LLC (“the Firm”) is a registered investment advisory firm offering comprehensive financial planning and investment advisory services in those states and other jurisdictions where exempted.
Opinions expressed on this website are not intended to be a solicitation for the purchase or sale of any security. Any advice or strategies presented are dynamic in nature and are strictly for use by clients of the Firm.
-No Guarantee: Past performance is no guarantee of future results. All investing involves risk, including possible loss of principal.
-Not an Offer: This content is for informational purposes only and does not constitute individualized investment advice or an offer to sell securities.
-Consult Your Advisors: You should consult your financial, tax, and legal advisors before implementing any strategy discussed here.
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