DV Financial

DV Financial DV Financial is an independent, fee-based firm offering Financial Planning, Investment Management, and Insurance Products. Independent Wealth Network, Inc.

Art Dinkin, Securities & Investment Advisor Representative. Investment advisory services offered through Independent Wealth Network, Inc., a SEC Registered Investment Advisor. Securities offered through Emerson Equity Member LLC, member FINRA/SIPC. and DV Financial are not affiliated with Emerson Equity, LLC.

06/17/2026

Finding balance isn’t easy when student loans, car payments, saving for a house, and retirement are all pulling at the same paycheck.

You don’t need a perfect plan. You need one you can stick with.

Progress beats perfection every time.

When your income grows, your strategy should grow with it.

If you’re trying to make sense of it all without feeling overwhelmed, let’s talk it through.

06/10/2026

Headlines are designed to grab attention, not build a plan for your life.

The media’s job is to be interesting. Our job is to be relevant to you.

Not everything trending online applies to your situation.

If you’re tired of sorting through noise and want advice that’s actually about you, let’s talk.

06/03/2026

401(k) contributions early on can feel confusing.

Contribute too much and cash flow feels tight. Contribute too little and you worry you’re falling behind.

A good starting point is at least enough to get the employer match.

After that, adjust as your income grows.

The key is starting. You can always increase later.

If you want help setting contributions in a way that fits your real life, we’re happy to help.

05/27/2026

One of the biggest mistakes after receiving an inheritance is moving too fast.

Big financial decisions made in emotional moments often lead to regret.

Taking a pause gives you space to think clearly and make thoughtful choices.

Time is on your side.

Before making major moves, sit down with someone who understands the landscape and can help you weigh your options carefully.

If you’ve recently inherited assets and aren’t sure what to do next, we’re here to help.

05/20/2026

Financial planning shouldn’t feel like a lecture.
It takes two.

The best advice comes from real conversations where you talk as much as you listen.

Your goals, concerns, and experiences shape the strategy.

Without your input, the advice can only go so far.

If you’re looking for a planner who listens first and builds from there, let’s connect.

05/13/2026

Student loans feel urgent. Retirement feels far away. So it can feel like you have to pick one.

But student loans vs retirement is usually a balance question, not an either-or decision.

The goal is steady progress without putting your future completely on hold.

Even small retirement contributions matter, especially if there’s a match involved.

If you’re feeling stuck between the two, we can help you find the right mix.

05/06/2026

Sudden Wealth Without Structure Is a Bad Recipe.

Sudden wealth sounds exciting. But without structure, it can create stress and poor decisions.

Imagine receiving a large check at 18. Would you have handled it wisely? Maybe. Maybe not.

That’s why planning matters.

Tools like trusts can provide guidance, protection, and flexibility for the next generation.

If you’re unsure how sudden wealth might impact your family, we can explain your options
clearly and help you decide what fits.

04/29/2026

Independence Matters in Financial Advice.

When someone gives you financial advice, it’s fair to wonder what’s behind it.

Independence matters because it means the advice isn’t tied to pushing a product.

At DV Financial, our focus is on time, guidance, and what fits you best.

If you want advice that stands on its own and centers around your goals, let’s talk.

04/22/2026

401(k) Down Payment: Smart or Short-Sighted?

Using your 401(k) for a down payment on a house sounds tempting.

It can help you buy now. But what does it cost your future self?

This decision isn’t just about rules. It’s about tradeoffs.

What are you giving up long term to solve a short-term goal?

Before you make a move you might regret later, we can help you run the numbers and understand the ripple effect.

If you’re weighing this question, let’s connect.

04/15/2026

Don’t Mess Up the Kids.

You worked hard for what you’ve built. Now the question becomes: how do you pass it down without creating problems?

Leaving money to your kids isn’t just about tax efficiency. It’s about timing, structure, and responsibility.
When should they know?
How should they receive it?
What guardrails make sense?

A thoughtful plan can support the next generation instead of overwhelming them.

If you want to think this through carefully, let’s talk.

Address

2350 NW 128th Street
Urbandale, IA
50323

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 12pm

Telephone

+15152553354

Website

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