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Debra Hartsfield

Advisor at DPH Financial

Updated today
DPH Financial logo

Firm

DPH Financial

Location

Pearland, TX

Credentials

ChFC®, Series 63

Industry experience

21 years

About

Debra Hartsfield is the sole advisor at DPH Financial, an independent firm based in Pearland, TX. She holds the ChFC® designation and has 21 years of industry experience, having founded DPH Financial LLC in 1998. In addition to her advisory role, she is licensed to sell life and health insurance in Texas. DPH Financial serves individuals, professionals, small business owners, and charitable organizations, focusing on clients with beginning incomes around $65,000 (single) or $130,000 (couple) and those aged 35–72. The firm provides comprehensive financial planning, investment advisory services, and financial education, emphasizing a primarily passive investment approach with low-cost, goal-oriented strategies and discretionary portfolio management.

Client services

Based on DPH Financial

Financial planning Portfolio management Educational seminars or workshops

Expertise

Based on DPH Financial

General retirement planning Income planning Social Security optimization Cash flow / budgeting Debt management

Occupation focus

Based on DPH Financial

Founder/Business Owner

Demographic focus

Based on DPH Financial

Mid-Career Professionals Established Professionals

Fee options

Fixed

Retirement Planning $1,995 per person plus $395 setup; Cash Management $495; Project work fees may apply.

Percentage

Under $25,000+: $25 - $55 per quarter $25,001 - $250,000: 0.70% annually $250,001 - $500,000: 0.55% annually $500,001 - $1,500,000: 0.40% annually $1,500,001 - $3,000,000: 0.25% annually Above $3,000,000+: Negotiable

Project-based

$175 per hour for hourly planning consulting

Other

Account minimum: No account minimum for investment strategy planning Fee-only: Financial planning fees include $1,995 per person for retirement planning plus $395 set-up fee; $495 for cash management; hourly planning $175/hour. Planning/project work fees negotiable.

Location

Pearland, TX

Most active in

Texas

Work history

DPH Financial LLC

1998 - Present (28 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Cameron F

CFP®

Missouri City, TX

Folse Financial

My name is Cameron Folse, and I am the founder of Folse Financial. I believe that professional financial advice should be simple and streamlined. Our focus is on flat fees, a modern digital experience, and fiduciary advice. After over 6 years in the financial services industry, I realized that the industry has a transparency problem. Many clients do not know how much they pay their advisor, either through insurance commissions or through investment management fees. Whether the fees are high, low, or just right, people should know exactly how much they are paying so they can be able to decide for themselves if what they are paying for is worth it. That is why Folse Financial is founded on flat, clear fees that are based on the complexity of your situation, not how much you decide to invest with us. I also pride myself on giving fiduciary advice. One thing many people don't know is that some advisors are not always fiduciaries. Some advisors wear several hats, and are only legally fiduciaries when making certain types of recommendations. With the CERTIFIED FINANCIAL PLANNER® certification, we are required to be fiduciaries at all times. In today's world, it's not enough to have transparent fees and give excellent advice. Clients also deserve a digital experience as well. We have set up systems to allow clients to view their entire financial picture in one place and allow them to track their progress towards their planning goals. The process of opening accounts and signing paperwork is entirely digitalized, saving hours of time for my clients and for myself. These are our 3 focuses for our business. Let us know if there's a way we can help you!

General retirement planning Retirement income strategy Income planning Founder/Business Owner HENRY (High Earners, Not Rich Yet) FIRE (Financial Independence Retire Early) Gen Y/Millennials (Born 1980-1995)
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Heriberto C

Series 65

Pearland, TX

Eightone Capital LLC

Cash flow / budgeting Debt management College savings (529s, UTMA, etc.) Founder/Business Owner
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Marvin N

Series 66

Houston, TX

Othniel Financial Advisory Services, LLC

Options & derivatives strategies Retirement plans for business owners (SEP, solo 401k) General retirement planning
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Angela J

CFP®, Series 63

Friendswood, TX

Worthen Financial Advisors

Passive / index investing Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) General tax planning Founder/Business Owner Retired HENRY (High Earners, Not Rich Yet) Mid-Career Professionals
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Steven N

Series 63, Series 65

Houston, TX

Newmyer Wealth Management

Active portfolio management Options & derivatives strategies Debt management Cash flow / budgeting Life insurance needs analysis
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Rodrigo D

Series 65, Series 66

Houston, TX

Praestantia Capital, LLC

Options & derivatives strategies Real estate investing Charitable giving & philanthropy Founder/Business Owner
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