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What We Do | Investment Advice | Investment Advisor | Investments | Insurance
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What We Do
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At DeFrehn Consulting we work with Businesses, Families and Individuals to help them achieve their financial goals. We take a holistic approach to each specific situation in order to formulate and follow through on the best course of action to protect and provide for our clients. We take into account the client’s best interest, risk tolerance and appropriateness of investments. We offer seasoned industry experience, with a focus on doing what is right for each client.
Simply put, we help clients meet their financial goals by:
Knowing you and your situation - Getting to know someone takes some very frank conversation about topics that most people are reluctant to talk about because of their personal nature. However this is the most important information an advisor collects. We make investment decisions based on the information you have shared with us. The more open and detailed information we have to work with the better results we can achieve throughout the process.
Devising a plan you can live with - A plan can be perfectly constructed but if it is not followed then it’s worthless. We carefully construct plans so that you can and do follow them, taking into consideration lifestyle and risk tolerance as well as other factors. Depending on your situation it may be a good idea to write out your plan. This can help you to better understand it, follow it and it may help you to strengthen your commitment to your plan.
Implementing the plan – When done correctly the implementation of an investment plan takes time and careful consideration of its many facets. We simplify the process for you by doing most of the work. The main decisions we make here are how and when to allocate assets to which investment types and asset classes and the selection of the individual investments.
Watching over your investments – Rarely do investors know all of what to look for, have the resources to all of the up to date information and have the time to be consistently and diligently reviewing their own investments. Furthermore, it is very difficult for investors to separate emotion from the decision making process. We perform all of these tasks for our clients so they don’t have to.
Making adjustments when necessary – Change is inevitable and some changes affect your financial situation. Whenever necessary we review your situation and make the necessary changes to your plan or investments. These changes could include a job change, change in the health of a family member or just the passage of time, anything that could influence your situation. A more complete list of these reasons is listed on the opposing page in reasons you should talk with your Investment Advisor.
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You Should Use an Advisor If...
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- You’re busy.
- You procrastinate.
- You don’t love researching personal finance topics
- You want to be able to ask a professional for financial advice before you make major financial decisions.
- You need help; growing your nest egg, reduced debt, lowering taxes, evaluating insurance, financial/estate planning, budgeting, or gaining financial peace of mind.
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You Should Talk to Your Advisor If (You Are Or Will Be)...
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- Changing Jobs
- Starting or Selling a Business
- Having a child
- Moving
- Buying/Selling Property
- Getting Married
- Caring for relatives including parents and grandparents
- Have qestions about your finances
- Getting an inheritance
- Over-spent your budget
- Have questions about your finances
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Investments
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We offer a complete list of non-proprietary products in both fee-based and commission accounts. If there is a product not on our list, please inquire about it as it may be available.
General Securities – Equity
- •Listed Stocks
- OTC Stocks
- American Depository Receipts
- Real Estate Investment Trusts
- Preferred Stock
- Closed end funds
Fixed Income
- US Government bills, notes and bonds.
- Mortgage backed bonds – Ginne mae, Fannie mae, and Freddie mac.
- Corporate Bonds – industrial, utility, financial, telephone and transportation.
- Municipal Bonds – general obligation, revenue, special purpose, and housing.
- Zero Coupon Bonds – taxable and tax-free.
- Certificates of Deposits from leading institutions
- Convertible / Revertible Bonds
- Structured Products – Depending on the experience level and accreditation of the investor highly sophisticated structured products are available.
Mutual Funds
Over 7,000 top load and no-load mutual funds are available.
Separately / Third Party Managed Accounts
The Industries best Money Managers are available when appropriate.
Options, Futures and Commodities
Equity & Index, Managed and Individual Contracts when appropriate.
Unit Investment Trusts
Products Include equity, fixed income and specialty trusts.
Money Markets
A large variety of taxable and tax-free money market alternatives are available.
ETFs
Exchange Traded and Index Funds as well as their leveraged counterparts
Alternative / Non Correlating Investments
These Investments are only available to accredited investors that have an established relationship with DeFrehn Consulting.
For the Trader
We will gladly provide market updates or general information regarding individual securities, interest rates, and the securities markets. We have access to a variety of top quality research providers. Information includes company and technical industry analyses, ongoing economic assessments and much more.
We are able to provide you with the fastest and best execution possible. DeFrehn Consulting, in conjunction with Triad and Fidelity Institutional Brokerage Group, has broker representation on the floors of the
New York and American Stock Exchange(s), as well as access to the NASDAQ market.
Market orders are executed and the price is confirmed immediately.
In the fixed-income marketplace, DeFrehn Consulting through Triad has on-line access to the inventories of over 800 dealers in addition to the tremendous array of bond alternatives offered through relationships with National Financial and Fidelity Capital Markets. We have developed trading relationships with some of the top investment firms; this further strengthens our ability to get you access to products, at the best prices possible. Triad also relies on several analytical systems, such as Bond Express and The LaSalle Connection, to monitor markets and access bond inventories.
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Insurance
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Why Buy Insurance?
It can take years of hard work and discipline to acquire your family’s personal possessions. Where would the money come from to replace your property if it were destroyed, care for you if you were hurt and couldn’t work or if you needed to care for another family member? What would you do if a court ordered you to pay thousands of dollars because of damage to someone else’s property or injury caused by you? Insurance protects you against financial loss when these kinds of personal disasters happen, and they happen to people just like you every day.
Variable Annuities - Virtually all variable annuity products are available.
Traditional Insurance - We offer products from over 200 industry leading insurance companies for individuals, estates, businesses, charities and executive benefits. We also offer attorneys to work with you and your attorney and accountant for complicated cases.
- Life
- Disability
- Health
- Key-man
Long Term Care •
- Fixed / Indexed Annuities
- Specialty Coverage's for; Businesses, Charities, & Executive Benefits.
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Notice:
Securities Offered through Triad Advisors member FINRA / SIPC.
Always consult an investment professional before making investment decisions.
DeFrehn Consulting
6
Mill Pond Ct.
Germantown,
MD
20876
Phone 240-720-5153
sld@DeFrehnConsulting.com
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