DDFG, Inc

DDFG, Inc., largely operating as Diversified Financial Group, is a Registered Investment Advisor (RIA) headquartered in West Jordan, Utah. Founded by Rhett Dean, the firm specializes in comprehensive retirement planning and wealth management for individuals and families in the Intermountain West region. The practice focuses on helping clients navigate the transition from accumulation to distribution, integrating tax strategies, estate planning, and social security optimization with investment advice. DDFG, Inc. files quarterly 13F reports with the Securities and Exchange Commission under CIK #0001967640, providing transparency into the investment vehicles used to construct client portfolios.

The investment strategy at DDFG, Inc. is built upon the principles of Modern Portfolio Theory and strategic asset allocation. Rather than engaging in speculative stock picking or market timing, the firm typically constructs portfolios using broad-market Exchange Traded Funds (ETFs) and mutual funds. The 13F Portfolio Composition generally reveals a diversified mix of asset classes, including domestic and international equities, as well as fixed-income exposure (to the extent visible in filings). The firm aims to capture global market returns while minimizing costs and tax inefficiencies. Portfolios are often customized based on the client's specific "risk number" or volatility tolerance, ensuring that the investment mix aligns with their long-term retirement objectives.

DDFG, Inc. represents the modern, planning-first RIA model where investment management serves as the engine for a broader financial plan. The 13F filings provide analysts with data on the firm's implementation of passive or hybrid investment strategies. Users can utilize the platform to simulate the Annualized Return (CAGR) of the firm's disclosed holdings to benchmark their performance against a standard 60/40 index or global equity composite. Additionally, observing the Sector Allocation History allows for an assessment of whether the firm maintains static weights or adjusts exposures based on valuation metrics. A key diagnostic question for analysis is: How effectively does the firm's diversified ETF strategy protect capital during periods of simultaneous stock and bond market volatility?

Risk management is a central tenet of the firm's advisory process, particularly given its focus on retirees and pre-retirees. DDFG, Inc. employs structural diversification to mitigate the impact of market volatility on client wealth. By spreading capital across uncorrelated asset classes, the firm seeks to smooth out returns and reduce the Max Drawdown Depth during economic downturns. The firm's approach is designed to balance the need for growth to combat inflation with the need for capital preservation to fund reliable retirement income. This often results in a "buy-and-hold" philosophy with periodic rebalancing to maintain target risk levels.