A. Description of the Advisory Firm
Dunhill Financial, LLC is a Limited Liability Company organized in the State of Florida.
The advisory firm was formed on November 5th, 2014, and the principal owner is Brian
Dunhill. Prior to the formation of the LLC, advice was given through Dunhill Financial,
SPRL a Limited Liability Company organized in Belgium and formed on November
23rd, 2011. The principal owner of the Belgian company is Brian Dunhill. From October
2016 until January 2017, Dunhill Financial did business under the name of Cross Border
Planning (as a DBA of Dunhill Financial). Since September 20th 2019, Dunhill Financial
LLC is the sole shareholder of Dunhill Financial Ltd, a limited liability company
organized in the United Kingdom, that provides financial advice to residents of the
United Kingdom and Europe.
B. Types of Advisory Services
Dunhill Financial, LLC (hereinafter “Dunhill Financial”) offers the following advisory
services:
Investment Supervisory Services
Dunhill Financial offers ongoing portfolio management services based on the individual
goals, objectives, time horizon, and risk tolerance of each client. Dunhill Financial creates
an Investment Policy Statement for each client, which outlines the client’s current
situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in
the selection of a portfolio that matches each client’s specific situation. Investment
Supervisory Services include, but are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring
Dunhill Financial evaluates the current investments of each client with respect to their risk
tolerance levels and time horizon. Dunhill Financial will request discretionary authority
from clients in order to select securities and execute transactions without permission from
the client prior to each transaction. Risk tolerance levels are documented in the Investment
Policy Statement, which is given to each client.
Financial Planning
Financial plans and financial planning may include, but are not limited to: investment
planning, life insurance; tax concerns; retirement planning; college planning; and
debt/credit planning. These services can be based on fixed fees or can be included in the
annual investment fees. The final fee structure is documented in Exhibit II of the Financial
Planning Agreement.
Services Limited to Specific Types of Investments
Dunhill Financial generally limits its investment advice and/or money management to
mutual funds, equities, bonds, fixed income, debt securities, ETFs, hedge funds, REITs,
insurance products including annuities, and government
securities. Dunhill Financial
may use other securities as well to help diversify a portfolio when applicable.
Robo-Advisory Portfolio Management Services
Dunhill Financial provides “robo-advisory” portfolio management services through an
online interface. This entails the use of algorithm-based portfolio management advice,
rather than in-person investment advice. These automated investment solutions are
customized to each client and based on individual characteristics, such as the client’s age,
risk tolerance, income, and current assets, among others. Dunhill Financial’s investment
advisory personnel oversee the algorithm but may not monitor each client’s account.
Clients are encouraged to update their account/questionnaire with any change in their
objectives, risk tolerance, or other pertinent information, as that information factors into
the portfolio’s composition.
C. Client Tailored Services and Client Imposed Restrictions
Dunhill Financial offers the same suite of services to all of its clients. However, specific
client financial plans and their implementation are dependent upon the client Investment
Policy Statement which outlines each client’s current situation (income, tax levels, and
risk tolerance levels) and is used to construct a client specific plan to aid in the selection
of a portfolio that matches restrictions, needs, and targets.
Clients may impose restrictions in investing in certain securities or types of securities in
accordance with their values or beliefs. However, if the restrictions prevent Dunhill
Financial from properly servicing the client account, or if the restrictions would require
Dunhill Financial to deviate from its standard suite of services, Dunhill Financial reserves
the right to end the relationship.
Dunhill Financial provides online “hybrid robo-advisory” portfolio management. Client
accounts are invested into a thematic portfolio, depending on the client’s individual
objectives. Through the internet, the client interface is automated to the extent possible.
The approach is "hybrid" in that the portfolio management process relies upon both
algorithms and portfolio management by the portfolio manager, each designed to be
utilized across multiple clients. The client’s investment profile dictates the portfolio
strategies, which in turn may impose restrictions in investing in certain securities or types
of securities.
D. Wrap Fee Programs
Dunhill Financial does not manage or sponsor a wrap fee program.
D. Amounts Under Management
Dunhill Financial has the following assets under management:
Discretionary Amounts: Non-Discretionary Amounts: Date Calculated:
$ 240,639,600.00 $ 0.00 December 2023