Financial Services

Through DH Financial Services we make available the appropriate investment vehicles necessary to implement the plans and to take appropriate steps to reduce risk exposures, coordinate clients' existing insurance and other financial assets, and integrate new products in a systematic plan.

We offer clients a review of the following product needs:

Insurance

Business insurance, personal life, fixed annuities, disability income, and long-term care.

Risk Management

A sound financial plan should address the insurance coverages you, your spouse and family members may require.

  • Life Insurance
  • Disability Income Insurance
  • Long Term Care Insurance 
      

Investments

Through NYLIFE Securities LLC. member FINRA/SIPC, we have access to brokerage accounts and individual mutual fund purchases from some of the leading mutual fund families.

 At DH Financial Services, we provide comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 6,000 mutual funds, including New York Life's family of MainStay Funds, self-directed, tax-deferred Individual Retirement Accounts (IRAs), and variable life insurance and annuity plans. We also provide products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.


Investment Management

Through Eagle Strategies LLC, a registered investment advisor, we have available a variety of fee based investment management accounts, "wrap fee accounts," which can provide investors with at least $500,000 of investable assets, many custom services for a single fee. This may prove to be less costly than individual investments in a typical wire house brokerage account.


Portfolio Management

You can now receive the same portfolio management services as many institutional investors – whether it is a separately managed account or a mutual fund wrap portfolio.  

Some benefits of managed portfolios include: 

  • Providing access to top-tier investment management professionals 
  • Tailored portfolios to meet specific investment needs 
  • Ownership of individual securities – allowing for significant flexibility in controlling tax exposure 

The process involves, but is not limited to, the following important stages: 

  • Setting investment objectives
  • Developing an asset allocation strategy
  • Evaluating/Selecting investment vehicle
  • Portfolio review – Ongoing portfolio monitoring

    Portfolio management process


529 Higher Education Savings Plan#

Graduation Pic

DH Financial also has available a 529 college savings program that allows families to save for future qualified higher education expenses on a tax-advantaged basis.




Annuities

AnnuitiesAn annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.


Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life.

You can use the articles below to help you learn more about which annuity might be right for you.

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

You can use the articles below to help you learn more about which annuity might be right for you.

 

  • Variable Deferred Annuities# - A Variable Deferred Annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy’s accumulated value – and sometimes the amount of monthly annuity benefit payments – fluctuates with the performance of your investment account. There are fees, expenses and risks associated with the contract. Please be aware than assets allocated to the investment divisions are subject to market risks and will fluctuate in value. 
     
  • Fixed Interest Deferred Annuities - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.
     

Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life.

Lifetime Income Annuities - An income annuity where income payments begin immediately - one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

 

Retirement Plans

Finding the best solution to a retirement plan depends on many business variables, such as the firm’s objectives, its profitability, the owners’ budget, and the number and types of employees. What’s more, the decision necessarily involves at least three different entities: the owner(s), a third party administrator, and an investments specialist.

DH Financial has had over thirty years experience in serving our clients needs in this arena. We will function as a liaison between the firm, the financial services vendor and the third party administrator.

Our process begins with a detailed fact finding interview, in order to determine the goals and objectives of the owners, including a current census of employees. Then, together with a TPA, a plan will be analyzed to match the firm’s needs, and an appropriate investment platform identified.

Often, a firm will already have a plan, but the owners are dissatisfied for any of a number of reasons. We can assist in amending the plan to bring it in line with the firm’s objectives, or possibly change the firm’s investment platform.

Finally, some firms will decide that a “tax qualified” retirement plan is too restrictive or in some way inappropriate. We can often devised a “non-qualified,” or “Top Hat program,” which will benefit a select group of employees.

Designing the best business retirement plan can be an extremely involved process and one that requires specialists. DH Financial can provide the framework to assist our business clients in accomplishing their objectives.


#Offered through NYLIFE Securities LLC member FINRA/ SIPC.