D/W Financial Consultants LLC

D/W Financial Consultants, LLC provides financial and retirement consulting primarily to plans, plan sponsors, and other institutional or organizational clients, and also offers services to trusts, estates, charitable organizations and business entities. Its services include plan‑level advice, fund selection assistance, participant education and customized financial planning documented in written agreements.

The firm conducts a discovery process followed by written recommendations and periodic reviews, and when investment guidance is given typically recommends generic, diversified portfolios by asset class rather than specific security selection; it does not provide discretionary portfolio management or custody of client assets. Engagements are frequently billed on an hourly basis rather than relying principally on percentage‑of‑assets fees, and the firm reports no regulatory assets under management.

Distinctive features disclosed in the brochure include multiple past regulatory and arbitration matters—among them a FINRA regulatory action, a state consent order, and arbitration awards/settlements—which the firm lists in its disciplinary disclosures. The firm’s principal has decades of industry experience and is separately licensed to sell insurance products, a practice the brochure identifies as creating potential conflicts of interest because commission income may be earned in addition to advisory compensation.