DLW Financial Management, LLC

The firm provides investment advisory services to individuals, trusts, pension plans and businesses, offering asset management billed as a percentage of assets, financial planning and consulting, and pension consulting for employer plan sponsors. The firm is also a licensed insurance agent and may recommend and sell commissionable insurance products in addition to its advisory services.

For asset management, the sole advisor emphasizes individualized portfolios with ongoing supervision, quarterly reviews and rebalancing, and typically invests in individual stocks and bonds, mutual funds, ETFs and, where suitable, private securities. The firm’s stated strategies include long- and short-term trades, trading, options (including writing), short sales and margin transactions—approaches that may be more active or complex than those used by many small independent advisers.

What is notable for a firm of this size is the combination of pension consulting on a flat-fee basis for plan sponsors and the advisor’s insurance license (insurance sales are disclosed as occupying under 10% of time), which the brochure identifies as potential sources of conflicts the firm discloses and manages. The practice manages roughly $9.3 million for about three dozen clients as a single-advisor firm, uses a third‑party custodian relationship that provides research and brokerage services, and provides verbal client reviews by default with written materials available upon request.