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  WELCOME
On behalf of Kevin, Dale, and the entire staff of DW Financial, welcome to our web site!

Succeeding in the investment process is as much about preserving capital in bad markets as it is about making money in favorable markets.

DW Financial is a Registered Investment Advisory company which provides ethical, competent, responsive, client-centered financial services at very competitive fees.
Investment management is done on a fee only basis (no commission) using only the very best no load mutual funds and fund families. Fund selection is based entirely on what is in the best interest of the client. We are completely independent and objective and, other than using Fidelity Investments as the custodian for all client accounts, are not associated with any fund or fund family.

Our sliding scale investment fees are extremely reasonable and include preparation of individual state and federal income tax returns.

In addition to financial planning and money management, our firm also provides:
  • Tax Planning and return preparation
  • Real estate brokerage and services, including real estate loans
  • Insurance planning and evaluation
  • Estate Planning: We assist in determining client needs and providing appropriate referrals
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  ABOUT US
Kevin Davidson, CPA, Partner

Kevin is a graduate of California State University, Fullerton, a member of AICPA, and The California Society of CPA's. He has been providing tax, accounting and financial services since 1983. Kevin has been a CPA since 1986.

email: kevin@dwfinancialinc.com
Dale Woodward, CFP, CCIM, Partner

Dale is a graduate of Fullerton College and an honors graduate of Pepperdine University. He is licensed as a California Real Estate Broker and Certified General Real Estate Appraiser. Dale is also a Certified Commercial Investment Member of the Real Estate Institute (CCIM) and, prior to transferring his license to DW Financial, Inc., was a Registered Investment Advisor. Dale has been a Certified Financial Planner since 1988.

email: dale@dwfinancialinc.com

Mary Ellen Vasquez
Bookkeeper
email: maryellen@dwfinancialinc.com
Jason
Bookkeeper
email: jason@dwfinancialinc.com

Darlene Phillips
Office Manager
email: darlene@dwfinancialinc.com
Audra Davidson
Intern
email: audra@dwfinancialinc.com
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  SERVICES
PORTFOLIO MANAGEMENT

Total Amounts less than $100K: An initial consultation of up to 2 hours with CFP, RIA portfolio manager. Preparation of a written investment plan (letter form) by or under supervision of CFP, RIA portfolio manager and management of portfolio assets in accordance with that written plan. Up to 2 hours of tax planning/return preparation by or under supervision of CPA. Additional consultations totaling up to 1 hour annually with any principal(s) of DW Financial, Inc.

Fee: 1.95% of assets under management plus $600 for accounts with less than $25K under management and $300 for accounts with less than $50K under management.
Total Amounts of at least $100K: An initial consultation of up to 3 hours with CFP, RIA portfolio manager. Portfolio management and up to 3 hours of tax planning/return preparation as above. Additional consultations totaling up to 3 hours annually with any firm principal(s).

Fee: 1.75% of assets under management.
Total Amounts of at least $200K: An initial consultation of up to 4 hours with CFP, RIA portfolio manager. Portfolio management and up to 4 hours of tax planning/return preparation as above. Additional consultations totaling up to 4 hours annually with any firm principal(s).

Fee: 1.5% of assets under management.
Total Amounts of at least $400K: An initial consultation of up to 4 hours with CFP, RIA portfolio manager. Portfolio management and up to 4 hours of tax planning/return preparation as above. Additional consultations totaling up to 6 hours annually with any firm principal(s).

Fee: 1.25% of assets under management.
Total Amounts of at least $600K: An initial consultation of up to 6 hours with CFP, RIA portfolio manager. Portfolio management and up to 6 hours of tax planning/return preparation as above. Additional consultations totaling up to 8 hours annually with any firm principal(s).

Fee: 1.00% of assets under management.
Total Amounts of at least $1M: An initial consultation of up to 6 hours with CFP, RIA portfolio manager. Portfolio management tax planning/return preparation as above. Additional consultations as reasonably needed with any firm principal(s).

Fee: .85% of assets under management.
Total Amounts in excess of $1M: An initial consultation, portfolio management and tax planning/return preparation as above. Additional consultations as reasonably needed with any firm principal(s) and/or staff member.

Fee: .75% of assets under management.
ADDITIONAL SERVICES
Residential real estate brokerage: listings, 2.5% of sale price. Purchase representations; rebate to buyer of commission amounts in excess of 2.5%.

Real estate appraisal, and appraisal review: hourly consulting rate.

Mortgage loans at very competitive rates.

Consulting hourly rate: $125 for firm principals Kevin Davidson and Dale Woodward.

NOTE: Dale Woodward is a CFP and Kevin Davidson is a CPA and member of the AICPA and California Society of CPA's. Dale is licensed in California as a Real Estate Broker and Certified General Real Estate Appraiser. He is also a Certified Commerical Industrial Member of the Real Estate Institute (CCIM). Dale has transferred his Registered Investment Advisor License to DW Financial, Inc., which is the investment advisor and portfolio manager. Dale represents DWF in all respects related to securities investment advice and portfolio management.
REAL ESTATE SERVICES
DW Financial is a licensed real estate brokerage corporation. Dale Woodward, the Corporation's Real Estate Officer, is licensed in California as a Real Estate Broker and Certified General Real Estate Appraiser. Dale is also a Certified Commercial Investment Member of the Real Estate Institute (CCIM) and has more than 35 years of experience in the real estate business.

DW Financial offers brokerage representation for all types of real estate transactions, usually at less than customary rates. DW Financial also offers real estate consulting, appraisal review and, through an alliance with Clarion Mortgage, real estate loans.
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INVESTMENT POLICY STATEMENT
DW Financial Inc. (DWF) attempts to maximize client returns over multiple year time frames for a specified level of risk primarily using no load mutual funds. The agreed upon level of risk for each client is discussed in detail with that client, and the client signs a letter of agreement before any client monies are invested. The level of investment risk is described in the letter of agreement as a percentage, or minimum and maximum percentage of the Morningstar Risk Rating for a specific index such as the Vanguard Total Stock Market Index.

Additional factors used by DWF in the fund selection include: fund returns over various time periods, client and fund portfolio diversification, market capitalization, characteristics of the fund, percentage of fund assets invested in other countries and various asset classes as well as fund Alpha, Beta, R-Squared, Standard Deviation, Sharp Ratio, Price/Earnings Ratio, Price/Book Ratio, composite earning growth rates, and other factors thought appropriate by DWF, including experience of fund manager and percent of client assets invested in any single fund or fund family.
Client accounts are reviewed at least quarterly and changes in account holdings are made whenever, as a result of that review, client portfolio risk rating falls outside of agreed upon parameters or, in the opinion of DWF, funds with superior risk/reward profiles are available. DWF does not engage in market timing.

The success of this approach cannot be guaranteed. There is the potential that the value of amounts invested may decline and may be worth less than the amounts invested. Investments in common stocks and stock funds fluctuate in value and carry an element of risk. DWF will work diligently to select funds which best meet client risk/reward requirements. The principals of DWF may own positions in the funds selected for client accounts.
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DW Financial, Inc. | Tel: (714) 632-0500
contact@dwfinancialinc.com