Our Services

DWM`s Investment Policy.
Through an engagement agreement, Dison Wealth Management will provide to individuals, families, and small businesses certain financial planning services. These include the writing of :
 

       
  • Complete personal financial plans
         
  • Partial plans for specific goals


These plans may include:
 

         
  • Cash flow analysis
         
  • Investment analysis
         
  • Review of employer benefits
         
  • Retirement and estate analysis
         
  • Tax projections
         
  • Analysis of other related areas
     
  • Personal consultation for specific questions. (Available at an hourly rate)


Upon your request, recommendations on certain financial and investment products* may be made. These may include:
 

         
  • Money Market Funds
         
  • Certificates of Deposit
         
  • Mutual Funds
         
  • Fixed and Variable Annuities
         
  • Limited Partnerships
         
  • Individual Securities
         
  • Life Insurance



Securities and Advisory services are  offered through Cetera Advisors LLC, member FINRA and SIPC.  Certain associates of DWM are registered representatives of  Cetera Advisors LLC which is otherwise not affiliated with DWM.


Investment Policy
DWM is focused on helping to maximize each individual's long-term investment potential.

We do not invest on emotion. We do not buy or sell because the market "seems right", is "too high", or is "too low". Our policy is to recommend a client buy and sell when it is right for the client with the idea that a good investment today will be a good investment tomorrow. Investment decisions are based on long term, fundamental analysis.

There are three reasons to sell an investment. (1) When an investment, such as a mutual fund, changes its stripes and no longer invests the way it did when you originally made the investment. (2) The economic environment changes, and you sell an asset in an area expected to under perform. (3) Your personal objectives and tolerance for risk changes. The second factor may be what we are concerned with today, but the third reason "is" and should always be, the most important reason for making investment changes.

DWM`s recommendations will consist of various investments. These may include Mutual Funds, Variable Annuities, or other General Securities.