Investment Advisory in Southern Minnesota
Portfolio design that starts with your goals — not a model portfolio or a product lineup.
Schedule a Free ConsultationLast updated: April 2026
Our ApproachWhat Does Goals-Based Investment Advisory Look Like?
Investment advisory is about more than picking stocks or following market trends. It’s about building a portfolio strategy that aligns with your specific goals, your timeline, and your actual comfort with risk — and then staying disciplined about it when markets get noisy.
At DMW Financial, we start every investment conversation with your plan, not a product. We want to understand what you’re saving for, when you’ll need it, and how much volatility you can realistically tolerate without making decisions you’ll regret. From there, we build a portfolio strategy around those answers — one grounded in asset allocation, diversification, and cost discipline rather than speculation or market timing.
We monitor your portfolio on an ongoing basis and make adjustments — whether that’s a job change, an inheritance, a shift in your retirement timeline, or simply a change in the market.
We provide investment advisory services to individuals, families, and small business owners in Northfield, New Prague, Lakeville, Prior Lake, Farmington, and communities throughout the south metro and Southern Minnesota.
Investment Advisory Services We Provide
Portfolio Design & Construction
We start with a level of risk that feels right for your situation — one you can stay with through market ups and downs. Remember: asset allocation and diversification are time-tested tools for managing risk across market cycles. They don't guarantee a profit or protect against loss, but a disciplined, diversified approach gives your money the best chance to grow toward the life you're building.
Ongoing Monitoring & Rebalancing
Markets move. Life changes. We monitor your portfolio regularly and rebalance when appropriate to keep your strategy aligned with your goals and risk parameters.
Risk Tolerance Assessment
We work to understand how you genuinely feel about market volatility — not just what a questionnaire says. Then we build a strategy you can stay committed to through market cycles.
Tax-Aware Investing
We incorporate tax considerations into investment decisions — including account location strategy and tax-loss harvesting where appropriate — always in coordination with your tax professional.
Retirement Income Transition
As you approach or enter retirement, we adjust your investment strategy to support income needs, reduce sequence-of-returns risk, and align with your withdrawal plan.
Account Access & Reporting
You have 24/7 online access to your accounts so you can check balances, review performance, and see your holdings whenever you want. We go through everything together at your annual review so nothing is ever a mystery.
We Take Care of Our Clients. That's It.
Our business runs on long-term relationships. If we don't take care of you, you move on — and you should. We don't keep clients because of a contract or a lock-in. We keep clients because they trust us, they feel heard, and their financial picture is actually better than when they walked in.
That means we recommend what we believe fits your plan. If something doesn't make sense for your situation, we'll say so. If a simpler approach gets you where you need to go, we'll point you there. We'd rather do right by you and keep you for twenty years than push something today that loses your trust tomorrow.
You can verify our background and credentials anytime through FINRA BrokerCheck.
Frequently Asked Questions
We work with a range of account types, including individual and joint taxable accounts, IRAs (traditional and Roth), rollover IRAs, beneficiary IRAs, and other retirement accounts. We'll identify the right account structures for your specific situation during the planning process.
We work with clients at a variety of financial stages. The first conversation is free and there's no pressure. If we're not the right fit, we'll tell you honestly and point you toward better resources.
Our advisory fee is 1% of assets under management, billed quarterly. We believe in full transparency — you'll always know exactly what you're paying and why. We'll walk you through the complete fee structure before any engagement begins.
Sometimes. Our approach is grounded in evidence-based investment principles — which means we focus on asset allocation, diversification, cost management, and discipline while limiting speculative timing or stock selection. Consistent, disciplined investing aligned to your goals tends to produce more reliable long-term outcomes, that said we stay well informed to take advantage of market trends.
Investment advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, Member FINRA/SIPC. Cambridge and DMW Financial LLC are not affiliated.
Investing involves risk, including the possible loss of principal. There is no guarantee that any investment strategy will achieve its objectives. Past performance does not guarantee future results. Asset allocation and diversification do not assure a profit or protect against loss in a generally declining market.
This content is for informational purposes only and does not constitute individualized investment advice. Please consult with a qualified financial professional regarding your specific situation.
Services That Work Alongside Investment Advisory
Let's Talk About Your Investment Strategy
A free conversation about your goals is the first step. No products pitched, no pressure applied.
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