Business Details
50+ Years
experience
Trusted Financial Planning in Upland, CA
At D H Financial & Insurance Services, we have dedicated over five decades to guiding families and businesses through their financial journeys. Founded in 1972, our practice is built on core values of integrity, respect, and a deep commitment to serving others. We take pride in offering personalized financial planning solutions that address life's pivotal momentsfrom career transitions and family milestones to retirement and legacy planning. Our team combines generational expertise with a holistic approach, ensuring every strategy aligns with clients' unique goals and values.As a family-run business, we prioritize long-term relationships and community impact, supporting local initiatives like educational scholarships and youth programs. Our partnerships with industry leaders such as New York Life and Eagle Strategies enable us to deliver comprehensive services including investment advisory, risk management, and estate planning. With a focus on transparency and client empowerment, we strive to make complex financial decisions accessible and confident for every client we serve.
Services
Financial Planning
Insurance Solutions
Investment Advisory
Estate Planning
Business Continuity
Details
- Year established: 1972
Highlights and features
- 50+ years of multi-generational financial planning expertise
- Holistic approach integrating investment, insurance, and estate planning
- Community-focused values with local philanthropic initiatives
- Family-run business prioritizing personalized client relationships
- Strategic partnerships with industry-leading financial institutions
Associations and certifications
- New York Life Insurance Company
- Eagle Strategies LLC
- The Nautilus Group
What people say
Personalized service
Generational expertise
Community involvement
Long-term relationships
Holistic approach
Services
Financial Planning
Our comprehensive financial planning service helps clients navigate life's major milestones through customized strategies. We specialize in retirement planning, education funding, and cash flow management for individuals and families. By combining generational expertise with modern financial tools, we create roadmaps that align with personal values and long-term goals. Our process includes detailed analysis of current financial status, risk assessment, and ongoing strategy adjustments to ensure clients maintain financial confidence throughout their lives.
Insurance Solutions
We offer tailored insurance solutions to protect families, businesses, and legacies against unexpected events. Our services include life insurance, long-term care coverage, and disability protection planning. Through strategic partnerships with top-rated providers, we help clients implement risk transfer techniques that safeguard financial stability. Our approach focuses on balancing protection needs with affordability, ensuring clients maintain adequate coverage while optimizing their overall financial strategy.
Investment Advisory
Our investment advisory service provides personalized portfolio management for wealth accumulation and preservation. We develop customized investment strategies considering risk tolerance, time horizons, and financial objectives. The service includes asset allocation, tax-efficient investing, and behavioral coaching to help clients stay disciplined through market cycles. With access to institutional-grade investment products and ongoing portfolio rebalancing, we aim to maximize returns while maintaining appropriate risk levels for each client's unique situation.
People
David A. Hjorth
Founder/Partner
With over 50 years of experience, David founded DH Financial in 1972. A Certified Life Underwriter and Chartered Life Underwriter, he specializes in estate planning and business continuity solutions. David's commitment to community includes establishing educational scholarships and supporting local healthcare initiatives.
Nicholas D. Hjorth
Partner/Financial Adviser
Nicholas brings CPA expertise and specialized knowledge in long-term care planning. As a second-generation advisor, he focuses on integrated financial planning for families and business owners. His community involvement includes supporting arts education and retreat programs that promote personal growth and spiritual development.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, estate planning, insurance solutions, investment advisory, and business continuity planning tailored to individual and family needs.
Are you affiliated with New York Life?
Our advisors hold insurance licenses through New York Life Insurance Company while maintaining independent operation as DH Financial & Insurance Services.
What areas do you serve?
We serve clients in 23 states including California, Arizona, Texas, and New York through both in-person meetings and virtual consultations.
How does your planning process work?
Our five-phase process includes discovery meetings, financial analysis, strategy development, implementation support, and ongoing monitoring through regular review sessions.
Do you work with business owners?
Yes, we specialize in business continuity planning, executive benefits, and succession strategies for business owners across various industries.
What credentials do your advisors hold?
Our team includes Certified Public Accountants, Chartered Life Underwriters, and Certified Long-Term Care specialists with FINRA securities licenses.
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