DFG Wealth Management, LLC

DFG Wealth Management provides discretionary portfolio management and financial planning primarily to individual and high-net-worth clients, managing about $65 million across roughly 143 client accounts. Services include ongoing portfolio management using firm-designed models and modular financial planning work covering investment, retirement/income, insurance, estate tax, and college planning.

The firm offers three in-house portfolios — a fixed income ETF/mutual fund sleeve, a growth portfolio that uses sector rotation and options, and an equity dividend portfolio limited to dividend-consistent stocks and ETFs — and relies on both fundamental and technical analysis with research from Morningstar, Value-Line, S&P, and Dorsey Wright. Portfolios are managed on a discretionary basis with tactics that can include daily position evaluation, trailing stop-losses, options writing, short sales, margin transactions, and the option to move client assets to cash when deemed appropriate; the firm may also refer clients to third-party money managers under fee-sharing arrangements.

Noteworthy for its size and service mix, the firm is affiliated with an insurance agency and a tax-preparation business, and principals are licensed to sell insurance products, which the brochure discloses can create potential conflicts of interest when commissionable products are recommended. The combination of active trading tools (options, short sales, margin), explicit use of trailing stops, routine sector rotation, and a formalized, a la carte planning offering (with estimated hours per module) distinguishes its approach from many peers that limit strategies to long-only, buy-and-hold equity and fixed-income management.