Who We Serve

At DWV Advisors, we understand that every client’s financial picture looks different: shaped by the business you’ve built, the assets you own, or the legacy you want to preserve. Our EverGreen Portfolios are designed to align with your stage of life and financial goals, offering flexible strategies that help you balance growth, income, and risk.

Below are four distinct types of clients we serve, along with how we help bring clarity and structure to their financial decisions.

Who We Serve at DWV Advisors

 

If the majority of your net worth is tied to your business, you understand concentrated risk better than most. Your personal financial success often mirrors the performance of your company, meaning that market downturns, shifts in customer demand, or rising costs can have a disproportionately large impact.

The EverGreen Accumulation Portfolio provides a way to balance that exposure, offering liquidity, diversification, and downside discipline without distracting from your core enterprise. It complements, rather than competes with, the business you’ve built.

Case Study

Mark, age 48, owns a successful regional logistics company. Nearly 80% of his wealth is tied to his business and real estate. With DWV Advisors, Mark allocates a portion of his personal and retirement assets into the EverGreen Accumulation Portfolio. The strategy provides him with market participation and liquidity while helping to offset the risk tied to his company’s industry cycles. When the transportation sector slowed, his EverGreen allocation helped provide liquidity and flexibility to pursue new business opportunities without tapping company reserves.

Portfolio Fit: [Learn More → EverGreen Accumulation Portfolio]

Case studies are hypothetical and do not relate to an actual client of DWV Advisors. They are provided for illustrative purposes only and should not be interpreted as a guarantee of future results or client experience.

Your properties and projects may be illiquid, but your broader portfolio doesn’t have to be. The EverGreen Accumulation Portfolio can integrate liquid market exposure with uncorrelated income streams, helping to smooth returns and maintain flexibility for new opportunities.

This approach allows you to keep cash working efficiently while staying prepared for the subsequent acquisition, refinance, or development cycle.

Case Study

  • Lisa, age 55, is a private investor with a portfolio of multi-family developments across three states. While her properties provide strong long-term returns, cash flow can be irregular. By implementing the EverGreen Accumulation Portfolio within her qualified retirement accounts, Lisa can pursue a more balanced allocation. The portfolio’s liquid, tax-efficient structure allows her to capture market growth while maintaining the liquidity needed for new deals and property improvements.

    Portfolio Fit: [Learn More → EverGreen Accumulation Portfolio]

    Case studies are hypothetical and do not relate to an actual client of DWV Advisors. They are provided for illustrative purposes only and should not be interpreted as a guarantee of future results or client experience.

Preserving family wealth is about more than protecting principal; it’s about stewarding opportunity across generations. DWV Advisors helps families implement the EverGreen Accumulation or Distribution Portfolio based on their current stage and goals, ensuring sustainable growth, responsible withdrawals, and coordinated estate and tax planning through DWV CPA PC.

Case Study

The Harris Family recently inherited a $12 million portfolio, including a family foundation and multiple trusts. Their goals are to maintain intergenerational access to funds, minimize estate taxes, and preserve investment discipline across beneficiaries. By structuring assets within the EverGreen framework, DWV Advisors created a unified investment policy that balanced growth for younger generations and income for retirees. The result was a simplified, multi-generational approach that aligned investment risk with each family member’s timeline and purpose.

Portfolio Fit: [Learn More → EverGreen Accumulation or Distribution Portfolio]

Case studies are hypothetical and do not relate to an actual client of DWV Advisors. They are provided for illustrative purposes only and should not be interpreted as a guarantee of future results or client experience.

As you approach retirement, stability matters as much as growth. You need your portfolio to generate consistent income, withstand volatility, and support your lifestyle for decades to come.

The EverGreen Distribution Portfolio focuses on generating steady income while maintaining flexibility — so you can spend confidently, knowing your portfolio is designed to keep working for you regardless of market conditions.

Case Study

David and Karen, both in their early 60s, are preparing to retire after long careers in healthcare and education. They want a predictable income but still hope to leave assets for their children. With DWV Advisors, they transition a portion of their 401(k) and taxable investments into the EverGreen Distribution Portfolio. This strategy provides monthly cash flow, integrates tax-aware withdrawals, and maintains exposure to growth assets — creating a steady, sustainable income plan for the next 30 years.

Portfolio Fit: [Learn More → EverGreen Distribution Portfolio]

Case studies are hypothetical and do not relate to an actual client of DWV Advisors. They are provided for illustrative purposes only and should not be interpreted as a guarantee of future results or client experience.

Big banks grow branches. We grow forests.

At DWV Advisors, our EverGreen portfolio strategies are built around your unique needs and not a one-size-fits-all portfolio management service.

Start Building Your Evergreen Plan
DWV Advisors is a fee-only fiduciary financial advisor in Vermont. We offer customized portfolio management services, retirement planning, and tax-efficient financial strategies for families and business owners. Led by Dennis Voigt, a practicing CPA and former professor, our EverGreen portfolios go beyond the traditional 60/40 asset mix by blending equities, futures, and alternative investments. Serving clients in Vermont and nationwide, we help clients think differently about how their wealth is managed.
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