While all clients have a few things in common—a desire to maximize returns and minimize risks or seek capital preservation —each of us is different in terms of personal preferences, beliefs and specific goals.

• Investment management alone may not be enough.
• Risk and tax management alone may not be enough.
• Estate planning alone may not be enough.

That’s why we always focus on understanding and communicating with our clients first. We want to get to know you personally and form a partnership with you, so we can help you accomplish your individual goals. We pride ourselves in seeing the big picture from every angle and taking a comprehensive approach to achieving your vision of financial security.

The DFG Process: 360 Degrees of Service
To see the big picture – To visualize the end game – To help you create the roadmap to achieve your goals

DiVirgilio Financial Group & DFG Capital Management has developed a 5-step process for investing your wealth that is simple and personalized to you. At the same time, it leverages our technology, expertise and professional integrity to introduce a flexible and reliable plan that seeks to meet your needs regardless of life’s unexpected twists and turns.

STEP 1: LISTEN
First we listen to you. We want to understand your liquidity needs, time horizons, tax matters, family considerations and tolerance for risk. But we also want to get to know your personality, how you like to “function,” and the full repercussions of your objectives.

STEP 2: PLAN
After agreeing on an optimal investment & retirement strategy based on your needs and who you are, we create a personalized asset allocation plan. We take into account all variables such as time horizons, cash-flow requirements, terminal value goals and tax considerations to help you achieve a variety of goals including: maintaining your standard of living; and setting realistic and attainable growth targets to determine how best to meet your future needs and aspirations.

STEP 3: CONSTRUCT
We will work with you to not only determine your personal risk tolerance, but to also define your portfolio’s ability to withstand volatility and fluctuations in the market on a short and long-term basis. We will define this with investment related risk tolerance questionnaires.

STEP 4: IMPLEMENT
We will develop and implement a tailored, diversified investment strategy based on your needs, objectives and investment profile.

Service
Our professionals will be there to help you achieve your desired goals while mitigating unnecessary risk, diversifying your holdings and controlling expenses and cost.

Products & Solutions
Being independent, allows us the flexibility to help find the solutions that we believe are the most qualified & suitable for your specific plan. We will help you select from the most appropriate mix of asset classes to include in your customized investment portfolio. Portfolios may include many traditional asset classes, such as stocks, bonds, and cash, as well as alternative investments.

STEP 5: MONITOR
We are always looking out for you, trying to find the best opportunities and solutions to help fit your needs. Our team will continue to manage your account(s) on an on-going basis to ensure it adjusts to changing market conditions or changes in your financial situation while continuing to best meet your objectives. *These services provide discretionary money management for a fee.

We will periodically rebalance your portfolios to keep your actual asset allocation aligned with your personal target allocation and ensure an automated buy low/sell high strategy.

Our relationship is important to us, and we believe it requires a certain amount of one-on-one time to nurture it properly. We meet with you in person on a regular basis and discuss your portfolio performance & overall plan, making any adjustments as necessary. *Diversification does not assure an investor a profit nor does it protect against market loss.