In this episode of Ask a DHJJ CPA, we answer a question many people ask: What difference does it make when your financial planner is also a CPA? Dana Anderson explains how tax planning and financial planning work together, why complexity matters more than wealth, and how having one advisor looking at the full picture can lead to calmer, more confident financial decisions.
What This Episode Answers
- What a CPA does versus what a CFP® does
- Why tax planning and financial planning should work together
- When someone should consider working with a financial advisor
- Common financial mistakes people make on their own
- Why complexity matters more than wealth when deciding if you need help
- What makes DHJJ’s financial advisory approach different
Key Takeaways
- A CPA and CFP® bring two valuable perspectives together: tax knowledge and long-term financial planning.
- Financial planning is not just about investments. It also includes retirement, estate planning, insurance, tax planning, and the emotional side of money decisions.
- Many people benefit from financial advice not because they are wealthy, but because their financial lives have become more complex.
- When tax planning and financial planning are disconnected, opportunities can be missed and unintended tax consequences can follow.
- Big life events like retirement, marriage, inheritance, self-employment, or a major income change are often the right time to seek guidance.
CPA vs. CFP®: What’s the Difference?
Dana explains that the CPA side of his role is focused heavily on tax work, including tax returns, tax planning, and representing clients before the IRS. The CFP® side is broader and includes investment management, retirement planning, estate planning, insurance, and helping clients make decisions that align with both their financial goals and their real lives.
At DHJJ, that combination allows clients to get guidance through both a financial planning lens and a tax lens at the same time.
Why People Benefit from Financial Advice
Not everyone needs the same level of financial support, but many people benefit from having an advisor when life becomes more financially complex. Dana points to situations like inheritance, stock options, self-employment, retirement planning, and changing income levels as times when professional advice becomes especially valuable.
He also notes that many people simply want someone they trust to help reduce the mental load of managing investments, taxes, and long-term planning on their own.
The Emotional Side of Managing Money
One of the strongest themes in this episode is that money is emotional. Dana explains that people often know what they should do financially, but emotions can make it hard to follow through. Fear, stress, overconfidence, recency bias, and uncertainty can all affect financial decisions.
A good advisor helps people stay grounded, stick to a long-term plan, and avoid making reactive decisions during volatile markets or major life changes.
Why Tax and Financial Planning Should Be Coordinated
Dana shares that one of the biggest risks in working with separate advisors is that a strategy that looks strong financially may not be the best move from a tax perspective. Examples include active trading that creates unnecessary short-term gains, or Roth conversions that push someone into a higher tax bracket or affect Medicare premiums.
When one person is looking at both tax planning and financial planning together, decisions can be made more intentionally and in the context of the client’s full financial picture.
What to Do After a Strong Income Year
When someone has a particularly good year financially, Dana suggests first reviewing high-interest debt, retirement contributions, and longer-term planning goals. Rather than simply spending more, a strong year can be a great opportunity to improve financial stability and make smarter long-term moves.
He also points out that not all debt is bad. In some situations, it may make more sense to keep low-interest debt and put cash toward savings or investments instead.
Mistakes That Show Up Most Clearly at Tax Time
Tax returns often reveal financial habits and misconceptions. Dana says one common misunderstanding is the idea that a large refund is always a good thing. In reality, that often means too much tax was withheld during the year.
He also highlights common misunderstandings around write-offs, Roth versus traditional contributions, and withholding issues that cause people to owe year after year.
Who Benefits Most from Working with a CPA + CFP®?
According to Dana, this kind of support is not just for wealthy people. It is often most helpful for people whose financial lives have become more layered or complicated. That could mean owning a business, managing multiple investments, going through a major life change, or simply wanting one trusted person to help coordinate everything.
Complexity, not just income, is often the real reason someone benefits from a more integrated approach.
How DHJJ’s Financial Advisory Approach Is Different
Dana explains that DHJJ’s approach stands out because the team looks at financial planning and tax planning together. Clients are not just getting investment advice; they are getting a more holistic strategy that considers retirement, taxes, estate planning, and personal goals.
He also emphasizes the value of DHJJ’s personal relationships with clients. Financial decisions are deeply personal, and that human connection helps the team deliver advice that is both strategic and practical.
Rapid-Fire Financial Advice from Dana
- One thing to review every year: Your investment allocation
- One mistake that costs people the most: Waiting too long to start investing
- One habit financially successful people share: Sticking to a long-term plan
- One question everyone should ask an advisor: Are you a fiduciary?
Full Transcript
Emma:
Welcome back to Ask A DHJJ CPA, the podcast where CPAs answer real questions from business owners. I’m your host, Emma Yurchik. Today, we’re answering the question “why does working with a financial planner who is also a CPA make such a big difference?”
Today’s episode is a little different than what we usually do because we’re not just talking to a CPA, we’re talking to someone who is both a CPA and a certified financial planner.
Our guest today is Dana Anderson from DHJJ’s financial advisory team. As a CFP, Dana helps clients build long-term financial plans around their goals. And as a CPA, he’s also able to look at the tax implications of those decisions.
So today, we’re going to talk about why that combination matters and how it changes the way that people make real-life money decisions.
Dana, thank you so much for being on today. Can you take a minute and introduce yourself and tell us a little bit about what you do at DHJJ?
Dana:
Thanks for having me. I’m honored to be on this special edition, CPA and CFP.
As Emma said, I work for DHJJ, but we’re a broad firm in the fact that we have a CPA side and a financial advisory firm. We’re an RIA (Registered Investment Advisor). We work with clients on retirement planning, investments, and estate planning. And then we have the CPA side, where we also work on doing tax returns. It really gives a holistic approach to clients. I’ve been here for almost 5 years and really love it.
Emma:
That’s awesome. Well, thank you again for being here. We’re going to jump right in.
We’re talking about how you wear 2 different hats, the CPA and the CFP. Can you explain what each of those roles means?
Dana:
Sure. CPA is very broad. Our firm is huge, we have a ton of different groups, and they’re all CPAs. So, as I said, with this podcast, we even see 2 different people who are CPAs do completely different things.
For my purposes, CPA really has to do with the tax side. What that gives us is the authority to represent clients before the IRS, and then to sign tax returns. That’s something we do for a lot of our investment management clients.
Not only filing the taxes, but a lot of tax planning that’s involved, along with managing their investments and their retirement planning. Really look through that with a tax lens.
A lot of our group started full-time tax and then moved over to financial advisory. We try to take a different spin on financial advisory.
Everyone’s going to learn about taxes and how it affects tax in their practice. But we really stress that in our planning and the services that we offer.
So, CPA side, a lot of tax stuff. CFP, everything, from investment management, financial advice, retirement estate planning, insurance, and tax planning. And then, working alongside a client and talking through issues that come up that maybe don’t show up on a balance sheet, like the stress of saving for education for a child, or retirement. It’s all the qualitative things that you don’t think about too.
Emma:
It sounds like you work with a bunch of different types of clients, a bunch of different types of situations. Is there a type of client that you typically work with at DHJJ?
Dana:
I would say it’s a broad range of clients. We have a lot of people nearing or in retirement. That’s a lot of our clients, people who have saved their whole lives and then are wondering how best to use that money.
Something that we find with clients is that we have to try to get them to spend more money because they may have a state tax issue that comes up. Someone very good at saving their whole life, that’s ingrained in them, and they may not want to spend it.
I work with a lot of clients who are good savers. I work with business owners and self-employed individuals. I have a broad range of clients. I wouldn’t say there’s one niche area that I focus on.
Emma:
A lot of people who are listening might be thinking, do I even need a financial advisor? Can’t I just do this myself? Why do people benefit from having a financial advisor instead of doing everything themselves?
Dana:
I think that’s a common thought out there. And it really depends on your situation, which is not the best answer, but it’s a lot of things. It depends on your situation and what complexities come with that.
And as I mentioned earlier, there’s a lot of the non numerical things that come into play, too, with your finances. Sure, a lot of people can just park money into their 401K or their traditional IRA and buy index funds. But then, for example, people may not think about, when I take that out, it’s all ordinary income, versus balancing a Roth, versus a deductible traditional contribution approach.
I think overall, there are a few situations where someone may want to consider a financial advisor; big life events, like inheritance, or if your compensation becomes more complex, like stock options or being self-employed, that’s where a tax piece can come into play, too, planning around that.
Then I would say most of all, having someone who can take that piece out of your life and reduce that stress that you may have involving your investments or your retirement planning.
Simplicity is great, so having one person in your life you can go to for things like that rather than trying to balance it all yourselves, especially as you get further in life. People have families, they have kids, and their investment situation may become more complex, or their income situation may become more complex.
So, it doesn’t hurt to have someone who’s handling that for you, and there’s probably a lot of better things you may want to do with your time than looking at what funds you’re investing in, or tax-loss harvesting, or Roth conversions. Those are the things we can do for people.
Emma:
There’s 2 things that you mentioned there that I want to dive a little bit deeper into: the challenges and the emotional side. So, let’s start with the challenges. What do you see people struggle with the most when managing their money on their own?
Dana:
I would say it links to your second question. It’s the emotional piece of it.
It’s like a doctor. They can tell you to eat healthily, not drink soda or alcohol. But, it’s hard It’s easy to know what to do; it’s very simple, but it’s not easy to do it, with your health and with finances.
Everyone knows in general you should spend less than you make, and you should invest for the future. But it’s a lot easier said than done. So, having someone who’s going to show you what the benefits are of that, like compound interest, how much your money could grow in the future, and then someone who can calm you down in times of uncertainty.
The stock market is very volatile, and having someone besides yourself to help you make decisions. Obviously, the client is making the final decision, but having someone to bounce ideas off of. Like, “Market just dropped 10%. Should we sell everything?” Well, we take a long-term approach to investing, so we know we’re going to ride waves of ups and downs in the market.
Being able to take the emotion out of managing money and stick to a plan that you lay out is really important. I think people struggle with the emotional side of money and the mental load of that.
Emma:
I think that can sometimes be something that we underestimate; there is an emotional side to money management. Is there anything else within that that you think people don’t necessarily expect when it comes to the emotional side?
Dana:
Something we learn when we’re taking the CFP exam is that there’s actually a whole psychology of financial planning section, which you may not think of on a finance exam that you’re going to have to learn about psychology, but there are all these different cognitive biases that people have that relate to money.
Overconfidence bias, recency bias, where you think you know the right decision to make, or you think you saw something happen, like a stock is going up, you think it’s going to keep going up.
Or you saw something’s going down recently, it’s top of your mind, and you think that’s how things are going to keep going forever. We want to try to keep those in check, so that’s something else a financial advisor can be.
It may be better to call them financial advisors/financial therapists at times, too.
So, we talked about wearing many hats. There are definitely a lot of different hats you can take in financial planning. And a lot of it is the emotional side and the psychological.
Emma:
That makes sense. I think anyone can relate to that. Your life experiences affect how you manage your money. You know, what’s going on around the world, what’s going on at home, all those things go into it that you may not think of on the surface.
It sounds like part of what you’re really doing is helping people make calmer, more confident decisions, not just picking the investments. And that really ties into something we hear a lot, that tax planning and financial planning often live in 2 separate worlds.
A lot of people have a CPA doing their taxes and a financial advisor doing investments, but they don’t always talk to each other. What happens when tax planning and financial planning aren’t coordinated?
Dana:
So, those are the benefits I think we bring; we do everything in-house, so we see both sides of it. Things that can happen when they are not coordinated are things that may look good financially, but may not be the best tax-wise.
So, some examples could be someone who’s actively trading and creates a lot of capital gains for themselves. It looks good. You are making money that way, but it may not be the best tax answer, especially in a taxable account. You’re creating, especially if it’s active trading, short-term, less than one year of holding that security, you’re creating a lot of ordinary income. Whereas if you were to hold that for over a year, you’d pay capital gains rates, which are much lower.
Some people just have an advisor who could be creating a lot of capital gains and not talking to their CPA and saying, “What tax bracket are we in?” “Are there any breakpoints where this is going to push them into a higher bracket by creating these gains?”
If you don’t have those two talking to each other, there are a lot of things that you may miss.
Towards the end of the year, that’s a lot of our discussions, and planning pieces are around taxes. not just capital gains, but Roth conversions. Those are another thing that is very popular right now. And if you just have an advisor doing a Roth conversion with no thought to the tax implications, that’s another thing that could push someone into another higher tax bracket, which then could cause other income to be taxed higher, such as Social Security.
There are IRMAA brackets for people who are paying for Medicare. If you’re not paying attention to that, you’re just willy-nilly doing Roth conversions, you may be paying higher Medicare premiums, for example.
A Roth conversion sounds great in theory, paying tax now, then you have tax-free growth. The idea of it is great, but you really do have to do a lot of planning around it to make sure the amount you’re doing is, is right and good for your situation.
Emma:
Got it. That really is such a good example of something that on paper looks super smart, looks like a great idea, but the tax impact can completely change that outcome. So, why is it so powerful to have one person looking at both?
Dana:
Yeah, I think it’s really just the ease, both the ease of it and then just having one person thinking about all those things at the same time. You may have one person who is just thinking about maximizing your investment returns, so they may be trading a ton, creating a lot of gains for you, but they’re not really thinking about the tax implications.
One person looking at both makes it not only easier logistically because all the information is right at their fingertips, but it’s also easier because they’re always thinking in both of those lenses, so you don’t have to worry about one thing affecting the other in a negative way. So, instead of 2 different strategies that maybe don’t necessarily connect, it becomes one plan, one person looking at it, and able to see that entire picture.
Emma:
I imagine all of this really shows up when people have a big year financially, right? This is a really relatable scenario. Someone gets a big bonus, maybe sells a business, or just has a strong income year. When someone has a really good income year, what’s the first thing that they should be thinking about?
Dana:
When someone has a really good year financially, some things you really want to think about are high-interest debt, if you carry any of that, like student loans or credit card debt, that you want to knock out. That’s a really good thing to look at first.
Not all debt is bad, contrary to some popular belief. It really depends on the interest rate and what it is. A good rule of thumb is if your interest rate on that debt is higher than what you may get in your savings or investments, then you may want to pay that off more aggressively. Obviously, credit cards have the highest interest rates, so that’s something you really want to knock out if you have that.
Other things are maximizing any retirement contributions you may have, whether that’s an IRA, a Roth, or a traditional IRA, and looking at your contributions to your 401Ks. If you’re self-employed, looking at a SEP IRA or a SIMPLE plan, maximizing retirement in that way.
And then putting more towards any long-term planning goals; you want to buy a house soon, or are planning a big vacation, putting that in something short-term that’s going to keep the principal for you. That’s a good thing too, to put that into.
Emma:
I really like what you said about the good rule of thumb. I think that’s really something that everyone can keep in mind, especially when they’ve had a good year. All of those were great tips, thank you.
Are there any mistakes that you commonly see after someone’s had a really good, you know, income year?
Dana:
Yes, obviously, the biggest thing would be to just blow it all on something. You want to celebrate if you have a big year, maybe go out to a nice dinner or plan a vacation, but once again, if you have a lot of debt or you’re planning for some type of savings goal, like your kid’s college, prioritizing those makes the most sense.
Like I said, with the debt too, I mentioned that not all debt is bad, paying off something that’s a really low interest rate may not be the best thing to do, like a mortgage rate that someone got in 2020, 2021, that’s a very low rate. Paying that off instead of keeping that money invested in something that could have a higher return for you, it could make more sense to actually keep that debt on your books.
Emma:
Makes sense. Really weighing those pros and cons, right?
It’s not just about celebrating the win, it’s about using it strategically. And tax season is usually when you see the results of those decisions, right? You see people’s full financial picture when you’re preparing their returns.
What financial mistakes show up most clearly when you’re doing someone’s tax return?
Dana:
I would say a big thing I see a lot with taxes, and not just what we prepare, but that people talk about, is wanting a big refund when they file their taxes. And although it’s great to get a big check, it’s not the best answer, because what you essentially did was give an interest-free loan to the government by paying too much tax, and they’re paying that tax back to you, because you paid too much to them. The ideal situation is to break even, so you’re not getting a huge refund, you’re not owing too much.
Emma:
Are there any red flags that you see year after year?
Dana:
I would say, along with the refund, check on your withholding. We have seen some clients whose withholding isn’t quite right, so every year they end up with a balance due, so that’s the other side of the big refund. If you’re owing a lot every year, you may want to switch up your withholding.
Also, as I mentioned earlier, a good mix, depending on the situation, between Roth and traditional contributions can make sense. So, Roths, it sounds great, it’s a tax-free growth. It makes sense for a lot of people to do that. But, depending on your situation, it could make sense to do that deductible contribution and get a little tax break on that side, especially if you’re higher income. So, things like maximizing Roth, where you could have done a mix of Roth and traditional, could make sense.
Emma:
Is there anything that maybe people think they’re doing right, but actually aren’t?
Dana:
I would say the big refund. Every year, they’re getting a big refund, whereas you may want to keep more money during the year that you’re getting, rather than paying that off through withholding.
I would say, too, people who maybe own a business or are self-employed, like write-offs. That’s a big thing people talk about. “I bought this car so I could write it off for my business,” for example. While it may sound good that you’re able to write off the purchase you’re making, you’re still spending that money, and you’re maybe not getting as big a tax break as you think.
Or thinking that you can write things off that maybe you can’t. A lot of people work from home, and there’s a deduction for using part of your home as part of your business if you’re self-employed. But it’s really specific criteria on that. It’s really things that you’re using just for your business that are what you’re going to be able to deduct on your tax return.
I would say the refund thing and then write-offs are a big topic that I always hear people talk about, and they may not be as beneficial as you think.
Emma:
All great things to consider. All great tips, so thank you. Who benefits the most, would you say, working with someone who is both a CPA and a CFP?
Dana:
I would say really anyone who has complexities in their financial life and their tax life, you can benefit from having someone looking at both of those. Or I’d argue anyone really, because everyone is going to have some type of investments, and everyone’s going to pay their taxes, hopefully.
So, I would say a lot of people can benefit from it. Anyone who wants that thing taken off their plate, not having to worry about things like that.
Obviously, the client is still very much involved, but just the day-to-day maintenance of that being taken off, I think that’s the biggest benefit for a lot of people.
Emma:
Now, it may be a bit of a misconception, but is this just for wealthy people?
Dana:
I would say, yeah, that’s a misconception for A big reason is that a lot of it has to do with the complexity rather than the amount of income.
So, for example, in tax returns, you could have someone who makes a ton of money, but it’s just on a W-2, um, so it’s a relatively simple tax situation. You just have your wages and your withholding and maybe some investment or some savings interest.
Whereas you could have someone making less, but they have a ton of complex investments, and they own a business, and it makes things a lot more complex, but they may not be making as much, and their net worth may not be as much.
So, people think about wealthy people being the ones that are doing a lot of the investing, or maybe owning a lot of the businesses, but I would say the biggest cutoff there would be complexity versus the amount of wealth, rather than just the wealth.
Emma:
Are there any life stages that make this especially important?
Dana:
I would say 2 big things. Retirement is huge, not just when you’re entering it, but leading up to it. Planning on where the money is going to come from that you’re going to live on. Do you have enough to maintain whatever lifestyle you want to live in retirement? That’s a huge life stage and something that most people have to deal with.
And then marriage, too, is a big one. Combining 2 people’s financial lives is really big, and people may have very different philosophies involving money. So, being able to merge those could take an outside party to help facilitate that in the best way. I think those are 2 big ones.
Inheritance is another big one. Someone who just comes into a huge amount of money and doesn’t know what to do with it, we can help them put that to work in the best way possible. Anything that’s like a big income change, too.
Maybe you don’t have a good year, you just change your job, and you make way more than you did before, and you’re trying to think how best to maximize that. You could definitely benefit from those types of life stages.
Emma:
Sounds like a lot of different scenarios, and once again, reiterating that it’s a lot more related to life events, life scenarios, than wealth.
Dana:
I’d say, just the complexities that may come with a big change in your life are going to bring about you wanting to change your approach.
Emma:
Well, I think this entire conversation brings me back to DHJJ and DHJJ’s approach specifically. There are a lot of financial advisors out there, right? So, how does DHJJ’s financial advisory approach differ from others?
Dana:
I would say, just to reiterate, there are a lot of places that do taxes and financial planning, but I think the lens that we have and the expertise we have on the tax side really differentiates us, as well as having a holistic approach.
So what that really means is looking at the whole picture of everything that’s involved in your financial life. It’s not just how much your investments are returning; it’s like I said, saving for retirement, thinking about the tax implications, and estate planning.
And then I think, you know, we’re not the biggest firm in the world, but we’re not small at all either, so we’re able to have a very personal connection with our clients, and a lot of clients feel like their advisor is like another member of their family and ww know a lot about, clients’ kids and family situations.
And that’s all stuff that plays into their financial situation, but it’s also just good on a human level to have that connection with people. And I think you may not get that everywhere, someone who calls their financial advisor like a member of their extended family, for example.
So I think we have the ability to spend a lot of time getting to know clients and being very involved in their lives in a beneficial way.
Emma:
Absolutely. You know, we keep talking about how money is very personal, so for you guys to have those personal relationships with your clients is fantastic, and it elevates the entire experience, right? It is important to your clients that you know what their goals are and you’re able to help them achieve them.
Dana:
Yeah. I liken it to in school, if you’re working on a project and it’s just names on a piece of paper, like a test question, and it’s like, “Mr.and Mrs.Jones,” for example, you don’t really have that much of a connection to the question, you’re just trying to get the right answer.
Whereas when you meet a client in person, get to know them, get to know about their family, what they did for work, what their goals are, it makes it easier to do the work because you know what you’re working for and you know that this is going to be a real benefit to someone’s life. So I think that’s the biggest thing.
Emma:
I love that. Well, before we wrap up, I want to do, we’ll call it a game. We’ll do a quick, rapid-fire segment. Are you up for that?
Dana:
Yeah, let’s do it.
Emma:
All right. So I will give you a few questions, rapid-fire style, quick answers. Number one, what is one thing that people should review every year?
Dana:
I would say their investment allocation. Especially recently, we’ve had a lot of really good years in the stock market, and also a couple of really volatile years, going up and down a ton.
So, everyone has, or they should have, an idea of their risk tolerance. So with a good year, your stocks are going up, for example, and so you may be way out of whack with your targeted allocation.
For example, you may want to be 80% stock, and because the value of those stocks has gone up throughout the year, you may end the year with almost 90% stock, and you may be riskier than you think.
So, reviewing your allocation every year is a really good thing to do, especially in a volatile year.
Emma:
What is one mistake that costs people the most money?
Dana:
I would say the biggest thing is thinking that you don’t have enough money to do it, and you’re scared to start. So starting early and doing a little rather than nothing is the biggest thing. So even if you can only do $50 a month or $100 a month, investing that is better than nothing. The value of compound interest is huge, especially when we start young.
So, I would say starting too late and thinking that you can’t do it are 2 of the biggest things.
Emma:
What’s one habit financially successful people have?
Dana:
I would say they have the discipline to stick to the plan that they lay out for themselves. We talked about the emotional piece. Some people may want to throw the plan out the window when the market gets volatile, but I think financially successful people are able to weather those storms.
And also, they’re planners, so they’re looking ahead at what potentially could come and planning for that rather than just living day to day as it goes. You want to plan for things financially to set yourself up for success.
Emma:
All right, and last question. What is one question everyone should ask their advisor?
Dana:
The one question everyone should ask their financial advisor, I would say, if you’re in the prospecting phase of looking for an advisor, you want to look for someone who’s a fiduciary, meaning they’re working in the best interest of your client.
And so if they’re doing that, they’re going to do things that are in the best interest of you. They’re not selling you products they’re going to make a huge commission on, for example. That may not be the best answer for you.
So I’d say asking if they’re a fiduciary is very important.
Emma:
Got it. Thank you so much. I think all of that was super helpful. Now, wrapping up a little bit, if someone only takes one thing away from today’s episode, what should it be?
Dana:
I would say that, in life, simplicity makes things easier, and having one person to handle these things is one less thing that you have to worry about. So, taking work off your plate so you can enjoy your life in other ways.
You know, some people do enjoy doing this. I mean, I do it for a job, so I enjoy doing it. But not everyone loves to talk about investments and taxes. Just taking that burden and giving it to someone else and making your life a little bit simpler in that way is helpful.
Emma:
Well, Dana, thank you so much for joining us today. It was great to dive deeper into what it really means to be both a CPA and a certified financial planner and how that combination can change the way that people make financial decisions.
No matter who you are or what stage of life you’re in, this is such a helpful conversation when it comes to understanding how taxes and financial planning really work together.
And if this episode sparked questions for you, reach out to your DHJJ advisor or our financial planning team to see how financial planning and tax can work together for your situation.
Thanks for joining us on Ask A DHJJ CPA. Be sure to subscribe so you don’t miss future episodes, and we’ll see you next time.
The following presentation by DHJJ is intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized tax or investment advice from DHJJ or any other tax or investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither DHJJ’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if DHJJ is engaged, or continues to be engaged, to provide investment advisory services. No portion of the podcast content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if DHJJ is engaged, or continues to be engaged, to provide tax or investment advisory services.
