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DMJ

Services

Four rooms. One desk.

Brokerage, management, credit, and transfer — kept together so a house purchase, an RMD, and a concentrated holding are not three different vendors.

Brokerage & execution

Agency trading in U.S. listed names, options, and Treasuries. Block desks when size matters; ordinary tickets when it doesn’t.

  • Equities, ETFs, listed options
  • Treasury bills and notes
  • Directed and not-held orders
  • Trade confirms and lot-level reporting

Discretionary management

A written mandate, a concentrated core, and a cash policy. We rebalance when the facts change — not because a calendar said so.

  • Index-plus and concentrated sleeves
  • Tax-aware harvesting
  • Risk overlays and put protection
  • Quarterly letters, not noise

Credit against securities

When a purchase or a gift should not force a taxable sale, we structure borrowing against the book with conservative cushions.

  • Securities-backed lines
  • Margin with explicit call buffers
  • Repayment from dividends and RMDs
  • Stress tests before the first draw

Retirement & transfer

RMD calendars, Roth questions we actually answer, and beneficiary design that survives a second marriage, a trust, or a move of state.

  • IRA and rollover sequencing
  • Trust and TOD registration
  • Charitable and family gifting
  • Coordination with estate counsel

If the work is a fit, we will tell you. If it is not, we will tell you that too.