DPH Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm serves individuals, professionals, small business owners and charitable organizations—with a primary client profile described as adults aged roughly 35–72 and specified household income thresholds—and provides retirement-focused financial planning, investment advisory services, and project work. It does not custody assets and requires clients to implement investment strategies through independent third‑party custodians, with an initial exploratory meeting offered to prospective clients.
The firm’s investment approach emphasizes passive management that prioritizes investment cost, asset allocation and goal maximization, typically using mutual funds, index funds, ETFs and individual bonds, while also drawing on fundamental, technical and cyclical analysis in its research. It generally operates with discretionary authority under a fiduciary duty and delivers a written comprehensive retirement plan (including a distribution schedule for those near retirement) within a defined project timeline.
Noteworthy distinctions include the firm’s offering of educational seminars and workshops in addition to one‑on‑one planning, a service that is uncommon among similar solo independent advisers, and participation in Charles Schwab’s institutional program, through which the firm receives operational and research benefits. The principal holds CFP® and ChFC® designations, has long tenure in the industry, and the advisory practice is fee‑only and does not accept performance‑based fees.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Comprehensive Retirement Planning $1,995 plus $395 setup fee
<$25,000+: $55 per quarter flat fee $25,000.01 - $250,000.00: 0.50% annually $250,000.01 - $500,000.00: 0.35% annually $500,000.01 - $1,500,000.00: 0.30% annually >$1,500,000.01+: 0.25% annually
Hourly planning fee: $225 per hour
Minimum fee: $55 per quarter for accounts under $25,000 Fee-only: Financial planning: $1,995 per comprehensive retirement plan plus $395 setup fee; hourly planning $225 per hour; additional hourly fees may apply depending on complexity
Main office
Pearland TX
Advisors at this office
1
Most active in
Texas
Also doing business as
Dph Financial · Dph Financial LLC · Dph Financial, LLC · Hartsfield, Debra Ann
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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