DHJJ Financial Advisors

DHJJ Financial Advisors serves individual investors (including high-net-worth clients) and retirement-plan sponsors, offering discretionary and non-discretionary portfolio management, written financial planning, and retirement-plan advisory and participant-education services. The firm also makes tax preparation and other accounting services available through an affiliated CPA firm under separate engagement agreements.

Investment management is delivered primarily on a discretionary basis with accounts custodied at Charles Schwab, and portfolios are constructed around client-specific objectives, time horizons, risk tolerance, and tax considerations. The firm employs asset-allocation and fundamental analysis, uses mutual funds and ETFs as core holdings, and may utilize structured notes and options strategies in appropriate client accounts; it also uses approved AI tools to support analysis while maintaining advisor judgment and will only transact in cryptocurrencies at an express client request.

A noteworthy aspect relative to many peers is the formal affiliation with an accounting firm (DHJJ), including shareholder overlap and disclosed potential conflicts of interest, with accounting services performed under separate contracts and no requirement that clients use the affiliate. The brochure also highlights less-common offerings for a firm this size—advising on Section 351 exchange ETFs, occasional use of structured notes, and a documented AI policy—while disclosing custodian practices, proxy-voting limits, and client-directed limitations on certain strategies.