Vestavia Hills, AL Office

The firm provides financial planning and portfolio management to individuals (including high‑net‑worth and non‑HNW clients), as well as trusts, estates, pension and profit‑sharing plans, charitable organizations and small businesses. Services include discretionary and non‑discretionary investment management along with written financial planning covering cash flow, tax and estate considerations, insurance review, retirement and education funding.

DLF delivers personalized advice on an asset‑management and hourly planning basis, tailoring investment strategies to each client’s goals and risk tolerance and using fundamental and technical analysis with third‑party research (e.g., Morningstar and Value Line). Portfolios may include stocks, bonds, mutual funds, ETFs, UITs and insurance‑linked products, and accounts are reviewed at least quarterly with more frequent reviews as needed.

A distinctive feature is that firm leadership also operates as a registered representative of a broker‑dealer and as an insurance agent, and the firm sells annuities and other commissionable insurance products; the brochure discloses these affiliations and how potential conflicts of interest are managed and disclosed to clients. The firm also operates without a formal account minimum, documents client objectives through investment policy statements, and notes that clients may obtain recommended products from other providers if they prefer.