Dream Lake Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,838,294
Clients
7
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
7
Very LowAverage account size
$548,328
About
The firm provides fee-only advisory services to individuals (including high-net-worth clients), charitable organizations, and corporations, offering investment management, financial planning (project-based and ongoing), and tax preparation services. It generally charges percentage-of-assets fees for portfolio management and tailors engagements to individual client goals and circumstances.
DLF’s investment approach combines fundamental analysis with Modern Portfolio Theory and a preference for passive implementation using mutual funds and ETFs, with asset-allocation driven portfolio construction and the option for discretionary trading authority. The firm recommends an independent custodian platform for execution and custody, relies on periodic (generally quarterly) account reviews, and does not aggregate trades across clients.
Compared with typical solo independent advisers, the firm is affiliated with an in-house tax and accounting practice and its principal holds a CPA license, offering tax preparation alongside advisory services and cross-referring clients between the businesses without receiving referral compensation. The principal also allocates a measurable portion of time (about 19% during market hours) to the accounting practice, and the firm operates with a very small client base (seven clients and roughly $3.8 million in AUM), which may influence its service model and availability of resources relative to larger peers.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
General estate planning guidance
Fee options
Project-Based Financial Planning fees range from $500 to $3,000.
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001+: 0.10%
Ongoing Financial Planning fees range from $100 to $500 per month, paid monthly in advance; initial fee up to $1,000.
Fee-only: Investment Management and Financial Planning fees only, no commissions received.
Main office location
Dream Lake Financial LLC
Saukville WI, United States
Number of offices
2
Most active in
Dream Lake Financial LLC has reported serving >5 clients in these states in the last 12 months.
Wisconsin
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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