Dittrich Financial Group LLC

The firm provides discretionary and non‑discretionary asset management and hourly financial planning primarily for individual and high‑net‑worth clients. Services described in the brochure include portfolio construction and monitoring, retirement and estate planning, cash‑flow and tax‑reduction analysis, and recommendations on insurance and risk management.

Investment decisions are individualized to each client’s stated objectives, time horizon and risk tolerance, and the firm uses methods such as fundamental analysis, charting and Modern Portfolio Theory with strategies that can include long‑term holdings, short‑term trading, option writing and margin. The brochure also discloses that the firm may engage sub‑advisors and, with client authorization, grant them full discretionary authority to manage accounts.

What the brochure highlights as distinctive are two uncommon practices for an independent adviser: the firm’s owner is a licensed CPA who operates an affiliated tax/accounting practice (Family Tax Service) and spends approximately 20% of professional time on that activity, offering tax services for separate compensation while disclosing the conflict and allowing clients the option to use other tax professionals; and the firm may permit borrowing or margin in separately managed accounts and notes that, when margin is used, fees are billed based on the account’s net asset value.