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Donald Dempsey, Jr. Certified Financial Planner™

Financial Advisor


Phone: 802.497.1931
Mobile: 802.777.3836
Fax: 802.497.3661
E-mail: don@feeonlyvt.com

Donald Dempsey, Jr. earned his Bachelor of Science at the University of Vermont and has earned degrees as a Certified Financial Planner® and Chartered Mutual Fund Counselor with the College of Financial Planning in Denver, CO. Donald Dempsey is recognized as a Certified Financial PlannerTM practitioner with the Certified Financial Planner Board of Standards, Inc. He is also an accepted member of the National Association of Personal Financial Advisors.

Don lives in Shelburne with his wife Betsey, and children Katherine and Aaron. He is an active member of Toastmasters and APA (American Poolplayers Association) and enjoys all things outdoors, including sailing on Lake Champlain.

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Our Approach

Dempsey Investment Management is a Fee-Only® financial planning firm in the Burlington, VT area helping clients build and manage investment portfolios, offering portfolio reviews and providing personalized financial planning. As a Fee-Only® provider, you can be sure all recommendations are made without conflict of interest and are based on your personal needs and goals.

Investment Management

Whether you are looking for growth, income or a balanced portfolio, your account will be customized to meet your needs using the following steps:

 

 

Step 1

A financial plan is designed for you to help you reach your personal goals.

 

Step 2

Proposals are made, utilizing investments best suited to your needs.

 

Step 3

Throughout the year, discussions will help us stay on track with your changing situation.

 

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Managing your Portfolio

After I have designed your personal financial plan, your portfolio will be managed directly by Dempsey Investment Management or will be delegated to one or more mutually agreed-upon Institutional Money Managers. Your portfolio may include, international and domestic stock, socially screened managers, mutual funds, exchange traded funds (ETFs), real estate investment trusts (REITs), bonds, CDs, closed-end funds, and money markets. In addition to monitoring your portfolio I will continue to provide all ongoing service and financial planning. Fees are based on a percentage of the account value. Account minimum is typically $250,000. Smaller minimums may be accepted at the discretion of Dempsey Investment Management.

 

Financial Planning

As a Fee-Only, Certified Financial Planner Practitioner, you can have comfort knowing that all of my recommendations are based on your goals and needs without a conflict of interest. I do not earn commissions from the products I recommend considering only the best interests of the client. Fees based on an hourly rate or project fee. No account minimum.

A financial plan will generally cover retirement, estate and college planning, investments, insurance needs, and cash flow.

  • Are you saving enough for retirement and college?
  • Have you prepared wills, durable powers of attorney, and trusts?
  • Do you have enough or too much life and disability insurance?
  • Is your investment portfolio too aggressive or too conservative?
  • Have you reviewed your investments recently?
  • Are you living within your means?
  • Should you consider Long Term Care?

See a Sample Financial Plan

 

Investments & Planning Topics:

  • Stocks
  • Bonds
  • Mutual Funds
  • Exchange Traded Funds
  • Annuities
  • 529s and custodial accounts
  • Socially screened money managers
  • Insurance
  • Estate Planning
  • Cash Flow
  • Retirement Projections
  • IRAs and 401Ks
  • Investment Accounts

Our Philosophy

What Does Fee-Only Mean? Fee-Only advisors put the needs of their clients first. We are not paid commissions for recommendations ever. 

Donald Dempsey is a customer-focused investment professional providing financial solutions since 1994. He builds and manages client portfolios utilizing investments suited to the individual client. Comfort level, risk, returns, and goals are emphasized with each portfolio. As an independent, Fee-Only advisor, Donald Dempsey is held to a fiduciary standard, always putting the client's needs first. 

"Financial Planners who take commissions have a built-in conflict of interest...even with disclosure, my choice would be a Fee-Only financial planner."

Jane Bryant Quinn, Newsweek

"The most important matter is how the planner is compensated. Hire the planner who...has no financial stake in (your) investments."

Forbes

"If you have more than $50,000 to invest, you should fire your broker and find an investment advisor. Brokerage firms would like you to think they perform the same functions as investment advisors." "Financial planners who are members of the National Association of Personal Financial Advisors...submit their work to peer review and are not supposed to charge anything but a fee."

Arthur Levitt, Former SEC Chairman

"Start with the general practitioner...a Financial Planner (whose) compensation should be from fees alone."

Money Magazine

 

Latest Blogs

Underfunded The Fourth Solution

 

Guilt and grief kept Katie Nilsson away from her hometown for a decade. Now, a nationally acclaimed financial blogger, she's back in the small hamlet of Lakeside, IL for her grandfather's funeral and soon discovers he was swindled by the town's mayor a few years before. When an unusually large number of the town's citizens start mysteriously dying off, Blake Jakobsen, Katie's childhood friend, now a local police detective, begins to suspect a sinister plot. Now Katie and Blake are on the trail of a stealth serial killer with a deadly agenda that leads them deep into the most chilling criminal and financial scandal imaginable.

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