About Us

Building, Growing, Protecting your Wealth

About Dowd Financial Group

Dowd Financial Group is an independent financial planning and investment advisory firm with its headquarters in Lighthouse Point, Florida.

We are a fee or commission based firm that works with our clients to establish and meet their goals. We accomplish this by providing our clients with a complete array of financial services including comprehensive retirement planning, wealth management and insurance solutions. Understanding our clients have needs that change over time and involve more than just asset management, our services include Investment, Insurance, Retirement, Educational, Tax and Financial Planning to try to assist in all areas where our clients have needs. Our clients include individuals, families and business entities of all size, worth and we services clients nationwide.

Dan Dowd

About Dan Dowd

Dan Dowd started working in the financial service business in 1986 working for AL Williams as a Senior Vice President of Life Insurance and mutual fund sales. He received the opportunity to expand his business and work for JW Charles Securities in the early 90's.

Dan was recruited to work for Dean Witter in Lighthouse Point while they merged with Morgan Stanley. Dan started his own Independent Financial Group in 2002 specializing in helping people plan for retirement and creating income throughout retirement.

Dowd Financial Group also assists teachers, fireman, policeman and any other professionals participating in the Florida Retirement System and the Deferred Retirement Option Program (DROP).


Series 7 General Securities Representative
Series 24 General Securities Principal
Series 53 Municipal Securities Principal
Series 63 Securities State Law Exam
Series 65 Investment Advisory Law Exam
Florida Life and Health Insurance and Annuities.


At Dowd Financial Group we are a strong advocate that the majority of clients funds should be passively managed, more specifically in index funds. We believe the passive approach emphasizes broad diversification and market returns in a controlled risk, low cost and tax efficient environment. As such, Dowd Financial Group invests a majority of its managed assets in Exchanges traded funds (ETF) and no load mutual funds.

While our company philosophy is that it is difficult for most active managers to add value over the course of an entire portfolio, we do believe that there occasionally exists opportunities in the market that are worth the risk reward of purchasing individual equities. The combination of these two approaches, passive with partial active management, is known as a core satellite strategy.

A core-satellite approach is an investment strategy that combines passive and active investment management styles. The idea is that the appropriate combination can achieve a synthetic enhanced indexing. The principal behind this strategy is that the majority of the portfolio will be to matching its benchmark with low risk, while a smaller portion will target enhanced returns so that when the two are combined, the portfolio is potentially able to beat its benchmark in a risk controlled manner.


We follow this strategy because of the underlying belief that for the most part the equities markets conform to the following principals:

  • Asset allocation counts: The asset allocation decision (the amount we invest in stocks, bonds and cash, as well as the different sectors of equities) is the most important factor determining investment return. (See chart showing historical returns by sectors here)
  • Diversification is key: Effective diversification strategies helps to reduce risk in a portfolio without sacrificing the portfolios long term expected return. Markets are highly efficient: Financial markets discover and distribute financial information quickly that it is impossible, over a statistically relevant period of time, for active managers to outperform the overall market.
  • Costs and taxes matter: The high cost of active management makes it almost impossible to outperform indexed investment strategies consistently. Over time a diversified portfolio of indexed funds will, in the aggregate, generally produce a yearly after tax return measurably greater than that of a corresponding actively managed portfolio
  • Market timing is a losing proposition: Academic research suggests that over the long run, the use of market timing does not result in market beating returns.
  • Past performance has no predictive value: While past performance is the guideline most often used by the active managed investment community in selling future performance, most available data not only shows that past performance is of no value in selecting superior performing investments in the future, but also concludes that above average performance in the past often turns into below average performance in the future
  • Risk and return are related: Investors who focus on the possibility of earning over the top returns must be prepared to accept the consequences of assuming excessive risk. In the short run, in particular, excessive volatility can be the investors' worst enemy. (Market math a 50% loss means a 100% gain to get back to even)
  • *Asset Allocation and diversification cannot guarantee profit or insure against a loss. There is no guarantee that any investment strategy will be successful; all investing involves risk, including the possible loss of principal.


    *Investment decisions must be made on your own indiviual needs and risk tolerence. Past performance may not be indicative of future results.


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