Professional Wealth Management Grow, Preserve and Protect Your Wealth Dion has been managing investment assets for individuals, families and businesses across the United States for more than a decade. We are an SEC-registered adviser currently managing more than $750 million* in assets. Our expertise is in building and managing diversified portfolios using mutual funds and exchange-traded funds. Our diversification criteria apply regardless of your investment time horizon and risk tolerance, because we believe these criteria are the surest way to deliver consistent and stable returns over time. Consistency and stability are necessary characteristics for superior long-term performance. Working with Fidelity and Schwab:
Large Enough to Matter, Small Enough to Care At Dion, we are fee-based advisers. Our process is straightforward and focused. We begin by listening to your investment needs and wants, and, most important, we listen to your fears. Then we analyze your existing portfolio(s) and construct an investment plan that addresses your unique objectives and protects you and your family. To ensure that the plan meets your objectives, we constantly search for the optimum portfolio structure using the most appropriate funds for a given market environment. Our process is simple, but its implementation takes dedication, focus and commitment. These three characteristics are embodied by Dion Money Management and its founder, Donald R. Dion, Jr., Esq., CPA. Donald R. Dion, Jr., Esq., CPA Don began his career at the international accounting firm Ernst & Young as a certified public accountant. He later joined the renowned law firm of Warner & Stackpole in Boston, where he practiced corporate and tax law until 1985. He then became the executive vice president of finance, treasurer and director of the Patten Corporation. Don later founded Patten Financial Services Corporation, where he served as president for two years. Don subsequently founded Litchfield Financial Corporation, where he served as chairman and chief executive officer for eight years. He managed the initial public offering of Litchfield in 1992. Litchfield was acquired by the Textron Financial Corporation in 1999. Don earned his B.A. from Saint Michael’s College, his J.D. from the University of Maine School of Law and his LL.M. in taxation from the Boston University School of Law. Don is a licensed attorney in the Commonwealth of Massachusetts and the State of Maine. Having passed NASD Series 7 and Series 65 exams, Don is an investment adviser representative licensed in the Commonwealth of Massachusetts and the State of Florida. Today, Don Dion continues to lead Dion Money Management as president and chief investment officer. Each day, Don directs a staff of 50 with a resolution to deliver consistent returns regardless of market environment. Under Don’s direction, five investment management teams meet each client’s needs. Your team supports your goals and those of your family by analyzing your unique investing needs, designing and monitoring your portfolio, opening your accounts (by identifying and completing all necessary applications), executing portfolio transactions, and issuing or accepting check requests and wire transfers. While your assets and accounts are always in your name, your Dion team serves as your investing partner, helping you navigate the turbulent equity and bond markets. CLICK HERE to learn more about Dion Money Management or CALL 800-432-7447 New Client Relationships Our primary goal is to preserve wealth for our clients and their families and grow it in a safe manner. In many cases, we serve as a welcome safety net for a surviving spouse who has had no reason or desire to invest the time necessary to manage his or her assets. Many of our clients already know Don from one of his Hulbert-rated newsletters or by reading the monthly and cumulative returns of his model portfolios, which have been displayed on the front page of each issue for the past 11 years. The tone of his newsletters—simplicity, structure and consistency—carries into Dion Money Management with an added degree of customization and personal attention. A typical money management client is an investor responsible for family finances who, as a result of years of working and asset accumulation, is ready to start an advisory relationship, often after following the model portfolios and advice in one of Don’s financial newsletters. Don’s newsletters are an appropriate investment guide when a portfolio is of a modest size. As a portfolio grows to a more serious amount, it needs the constant attention of professional money management—a service that Don’s subscribers are entitled to receive. The catalyst for the transition to professional money management may be a change in circumstances or tolerance for risk; a shortened or (more often) lengthened investment timeline; and sometimes a life event such as a health issue, a family wealth transfer or retirement. Prior to engaging Dion, many clients had invested successfully with a portion of their portfolios but had investments that were underperforming. As a result, we allow clients to incorporate their best holdings into their Dion Money Management portfolios. Then we customize each portfolio to meet our client’s needs in consideration of the cost basis, dollar-cost averaging, and long- and short-term movements of the market. We work with you to customize your portfolio to your individual circumstances during retirement, something larger companies may be unable or unwilling to do. In any market—rising, falling, sideways or reactionary—you will not experience a cookie-cutter approach to managing your portfolio. We will pay attention to you as an individual and will be there to understand your needs as they change over time. We manage relationships ranging from $200,000 to mid-seven figures. Our clients and their families, on average, have $400,000* under our oversight. Experience tells us that traditional national brokerage firms will place an account of this size in a predesigned “model” portfolio (along with hundreds or thousands of other customer accounts). We believe that our clients deserve better. Customized, Risk-Adjusted Returns Risk-Adjusted Returns How do we provide you with the best returns relative to the risk? We build your custom portfolio based on the acceptable level of risk for you and your family. Targeting a 15 percent annual return, for example, requires a greater exposure to risk than targeting an 8 to 10 percent annual return in a retirement portfolio carefully crafted to minimize downside risk. Modern Portfolio Theory Diversification Call 800-432-7447, ext. 191 for a free portfolio review. Keep Your Best Holdings While there are common holdings across our portfolios, to a large extent every portfolio is customized. We analyze the final fund selection as a whole. The underlying stocks in the funds are compared to avoid inadvertent stock overlap or high concentrations of certain stocks. In the end, we know what you own and you know what you own. You are part of the process. We won’t make a single change when we initially build your portfolio unless you agree with the changes we propose. You will not find this customized approach elsewhere, where your portfolio is exactly like thousands of others. The Value of a Fee-Based Relationship CLICK HERE to learn more about Dion Money Management or CALL 800-432-7447 The First Step: Upgrade to a Fidelity or Schwab Institutional Account Upgrading your account to the institutional side allows Fidelity or Schwab to custody your assets. Dion does not custody your assets. Accounts are always in your name, and your money never changes hands. Our objective is to manage, preserve and grow your wealth on a consistent basis through your institutional account. All assets are transferred in kind. Nothing is bought or sold until we have an investment strategy approved by you. As an institutional investor, you will continue to receive the monthly Fidelity or Schwab account statements that you read now. In addition, you will receive quarterly Dion statements that will simplify the reporting of activities in your portfolio, so you can monitor your portfolio either monthly or quarterly. Anytime we make a trade, you will be notified by printed confirmation from Fidelity or Schwab. You can continue to log on to the Fidelity or Schwab Web site to watch your portfolio daily or weekly, just as you do now. When you pick up the phone to call Dion, you’ll talk to your personal investment strategist. You may open one or more of the following accounts: Individual or Joint, Individual Retirement Account (IRA), Trust, Corporate, Custodial, Keogh, 403(b), 401(k) or Retirement Annuity. Securities in accounts carried by National Financial Services Corporation (NFSC), a Fidelity Investments company, are protected by the Securities Investor Protection Corporation (SIPC) for up to $500,000 (including cash claims limited to $100,000). SIPC protection is for losses in the event of the failure of a brokerage firm. NFSC has arranged for additional unlimited insurance protection for cash and securities to supplement its SIPC coverage. Neither coverage protects against a decline in the market value of securities. At Schwab, securities in your account are protected by the SIPC with up to $500,000 of protection in accounts you hold in a separate account capacity (for instance as custodian, joint tenant or sole owner) with a limit of $100,000 for claims in cash balances. In addition, Schwab has arranged additional account protection through Travelers Casualty and Surety Company of America (Travelers). Travelers provides excess protection above the SIPC limit up to the total net equity value of each of your accounts for securities and an additional $900,000 for claims for cash balances per separate account capacity. This protection does not cover fluctuations in the market value of your securities. Account protection is not provided by SIPC or Travelers for the accounts of banks or broker/dealers maintained for their own accounts. Call 800-432-7447 for a free portfolio review. Matching Goals, Needs and Investment Strategy Confidential Portfolio Review Start with Three Months of Transition, at No Cost to You Enter into a Personal Relationship Support for the Financial Impact of Life Events CLICK HERE to learn more about Dion Money Management or CALL 800-432-7447 The Dion Difference: Long-Term Results > A personalized investment plan tailored to reflect your risk tolerance, cash-flow requirements, life-stage concerns and investment objectives. > The peace of mind knowing that you have hired a professional asset manager who is monitoring your portfolio on a regular basis and is available to review progress or to make adjustments as needed. > An adviser who is compensated based on the value of your portfolio, not for churning your account. > The assurance of knowing that your assets are held in your name, under custody at a brokerage firm of your choice, such as Fidelity Brokerage Services, Inc. (“Fidelity”) or Charles Schwab & Co., Inc. (“Schwab”). > Continuity. After we interview you and gain a thorough understanding of your investment objectives, a portfolio will be created reflecting your personal goals and life stage consistent with your risk/reward profile. Should a health crisis or other unanticipated emergency occur, we will manage your accounts consistent with directions you have provided us, providing a link to your spouse, heirs, and trusted advisers such as attorneys and accountants. The Dion Team of Professionals Our team is at your disposal from 8:00 AM to 5:30 PM, Eastern Time (offices are closed on holidays observed by the New York Stock Exchange). Our toll-free telephone number is 800-432-7447. A Customized Solution for You Our process begins with a discussion with you to understand the logic of your previous investment decisions, your current situation and your future financial expectations and needs. We ask you to complete an Investor Profile, which provides us with insights into your risk tolerance and long-term investment objectives. We then construct a portfolio aimed to achieve your objectives, selecting funds that have the highest likelihood of performing to our mutual expectation. We monitor the progress of your portfolio regularly. You are able to monitor our performance by: > Accessing your personal adviser whenever needed Your Personal Adviser Team How to Get Started Today: Call 800-432-7447 for a free portfolio review. Disclosure: Since Dion Money Management, LLC manages actual client portfolios according to each client's specific investment needs and circumstances, client portfolios may contain less or more funds and may contain different funds in order to meet client needs. Past performance is not a guarantee of future results. All investments involve risk including loss of principal.
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