Emerging Investors

Welcome to the Emerging Investor Program

One of the most common things you'll hear people say when talking about investments is: "I wish I started earlier". We agree and decided it was time to get younger folks invested and on their way to financial freedom at a young age.

Overview of Our Emerging Investor Program

Automated Investment Managment

Utilizing our unique investment strategies, in combination with Schwab's Institutional Intelligent Portfolios software, we can create a well-diversified, auto-rebalanced and tax-loss harvested program that is both efficient and easy to use.

What's Your Level of Risk Tolerance?

Financial Planning Assistance

Our services are aimed at needs of a younger generation including:

     -Initial financial analysis to get your plan in place

     -2 Annual Meetings with your Advisor

     -Educational Planning (for you or your children)

     -Budgeting/Cash Flow Review

     -Debt Management

     -Work Benefits Review

     -401K Allocation Analysis


Our all-inclusive annual fee is based on Assets Under Management (AUM). This annual fee is set at 1% of AUM with a $1,200 annual minimum. This is billed quarterly in advance and withdrawn from your account. There is no additional charge for all of the financial planning and other assistance we provide throughout the year.

Upon reaching $500,000 in wealth, you can graduate to our advanced Total Wealth Management package, with no extra charge!

Why should I start investing early?

We all know why we invest, the most prevalent of which is that we aim to put our money to work for us to accrue value through interest, dividends, and capital gains. Now it follows that the longer you are in the market, the higher likelihood you have of increasing your portfolio value. Over time, we know that markets will go up. Boom and bust cycles continue to occur, but when you have a long-term investment horizon, you can weather the short-term storms. Further, the more you stash away now, the impact of your portfolio returns become that much more significant due to the power of compounding. For a 25 year old in 2020, if they're able to save $500/mo until they're 70 years old, they'll have $1,000,000 through disciplined investing. That's a lot of zeroes! On the other hand, if they were to start saving at 35 years old, that same $500/mo would only net them $568K. This principle based on the time value of money illustrates just how important a few years can be to make the difference between retiring comfortably at 70 or having to work more.

Beyond this ideology to strictly save money, knowing how and where to invest these savings is equally important. Stowing cash away into a savings account is certainly fine if you can do so, however a more lucrative method of saving can be done via sophisticated investing. Here are a couple ways for an emerging investor to invest:

  • Via an employer plan (e.g. 401k, 403b, etc): a 401k, where contributions become tax-deductible, and interest, dividends, nor capital gains are taxed at all is a great way to start investing! Additionally these buckets may provide for a company match, which is essentially additional salary your employer provides towards your retirement! So maxing your contributions out to ensure you get the largest match you can is a very important strategy towards long term savings! Alternatively, some employers also provide Roth 401Ks, an even more unique and amazing vehicle for young investors! While there is no tax deduction for Roth contributions, they still are not taxed on interest, dividends, and capital gains. Additionally, the greatest item they provide is that upon retirement, when you withdraw funds from a Roth 401K (or IRA for that matter!), you are not taxed on the withdrawal amount! This means that your funds can grow and grow over the years you work, and you'll never pay tax on them again!
  • Via an account (e.g. taxable, Traditional IRA, Roth IRA) custodied at Schwab & Co and managed by a professional wealth manager like DWM Financial Group, Inc. Professional managers can use stocks, bonds, mutual funds, ETFs, etc in sophisticated models matched to your risk tolerance in pursuit of long-term enhanced returns.

All in all, where you place your funds and how much you can save each month is up to you, but it is very important to keep in mind that the earlier you start investing, the more time you can allow your portfolio to grow and work for you, which will inevitably have a huge effect on when and how you retire!

Who Will I Be Working With?

For young professionals looking to kick start their investment futures, we have advisors just as young and hungry as our clients! Chandler Peterson of our Illinois branch is our Emerging Investors program Advisor. Please see his profile below!