DEAJ Insurance and Investments Consulting

DEAJ Insurance and Investments Consulting works with individuals, families, small and medium‑sized businesses, and charitable and nonprofit organizations to provide financial planning and non‑discretionary investment advisory services. The firm’s principal is also a licensed multi‑line insurance agent and a licensed risk manager, and the brochure discloses that insurance products and risk‑management consulting are offered separately from its advisory engagements.

The firm offers two non‑discretionary portfolio approaches: separately managed accounts (selecting and monitoring third‑party outside managers) and actively managed accounts (firm recommends specific investments that clients must approve). Its investment analysis combines fundamental, technical and index methods and the firm may recommend a broad set of instruments — from cash equivalents, bonds and equities to REITs and a range of alternative investments such as private equity, hedge funds and commodities — while delivering financial plans as project‑based engagements (ongoing monitoring requires a separate agreement).

Compared with many solo independent advisors, the firm’s combination of licensed insurance brokerage and risk‑management services alongside advisory work, and its ability to recommend outside managers and institutional‑style products, are distinctive and are identified in the brochure as potential sources of conflict that clients may choose to accept or avoid. The filing also notes the firm was newly established at the time of the brochure, reported no client assets under management, and the owner discloses involvement in other businesses with roughly 40% of his time allocated to those activities, factors prospective clients may consider when assessing availability and oversight.