DEAJ Insurance and Investments Consulting provides comprehensive and goal-specific financial planning alongside non-discretionary investment management services. DEAJ Insurance and Investments Consulting helps clients outline life goals and create tailored strategies covering retirement, tax planning, education funding, estate planning, and risk management. For investment management, clients can choose between two non-discretionary approaches: a Separately Managed Account approach where third-party professional money managers are selected to handle day-to-day trades, or an Actively Managed Account approach where DEAJ Insurance and Investments Consulting recommends specific investments for client approval. DEAJ Insurance and Investments Consulting also offers public speaking and financial research materials. Led by sole proprietor Dominic Hilario Espiritu Javier, the registered investment advisor operates out of Flower Mound, Texas, and maintains separate insurance and business consulting ventures.
Fee Structure
DEAJ Insurance and Investments Consulting charges an annual fee based on a percentage of the value of your portfolio, depending on the investment management approach you select:
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Separately Managed Account (includes third-party manager fees):
- $500,000 and below — 1.60% to 2.50% per year
- $500,001 to $1,000,000 — 1.30% to 2.25% per year
- $1,000,001 to $2,500,000 — 1.11% to 2.00% per year
- $2,500,001 and above — 0.95% to 1.75% per year
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Actively Managed Account (plus a flat annual fee of $150 for billing and reporting services):
- $500,000 and below — 1.00% to 2.50% per year
- $500,001 to $1,000,000 — 0.85% to 2.25% per year
- $1,000,001 to $2,500,000 — 0.75% to 2.00% per year
- $2,500,001 and above — 0.65% to 1.75% per year
Fees are billed quarterly in arrears.