DJ Wealth Systems, LLC

DJ Wealth Systems provides discretionary portfolio management and personalized investment planning for individuals and high‑net‑worth clients, developing an Investment Policy Statement for each client and handling asset allocation, security selection, and ongoing monitoring. The firm generally limits advice to equities, fixed income, ETFs and commodities and may use model allocations tailored to client restrictions and objectives.

The firm’s investment process combines quantitative and technical analysis and can involve short‑term trading, margin transactions, options trading (including covered, uncovered and spread positions) and other derivatives; the brochure describes the risks of margin, options and derivatives, including margin calls and potentially large losses. DJWS requires discretionary trading authority, conducts at least quarterly account reviews, and references an underlying “Yield+” strategy notional in determining asset management fees.

Compared with many solo independent advisers, the brochure discloses performance information alongside detailed discussion of derivatives use in client accounts—practices that are relatively uncommon among peers—while also stating that DJWS does not accept performance‑based fees. The firm recommends institutional custodians (Charles Schwab, Fidelity, Interactive Brokers), notes access to soft‑dollar research and institutional services, and lists high‑net‑worth individuals among its client types despite stating no account minimum.