About Defined Captial

At Defined Capital, we’re not just advisors, we’re advocates. Our qualified professionals don’t just point you down a path to retirement, we walk alongside you to help you reach your full retirement stride.

Our Mission

Our Mission is to ensure our clients enjoy their lives to the fullest and worry less about their money.

Our Vision is to be the last advisor our family of clients ever need.

pinnoy
Dustin Javier
family

Dustin Javier

CERTIFIED FINANCIAL PLANNER™
Chartered Federal Employee Benefits Consultant

You can call me Dustin.  I am mostly Filipino with a mix of Chinese and Irish. My parents came to America from Manila, Philippines in 1976.

“Go to med school!” “Be an engineer!” These were common phrases I heard all too often growing up in a Filipino-American household.

To my parents, that was the path to success.

I ran the other direction to the financial world and realized I was in the right place. Instead of working in healthcare, I found more purpose in life by helping healthcare professionals get financially fit.

I absolutely love what I do as an independent CERTIFIED FINANCIAL PLANNER™. I enjoy helping hard-working families retire on their own terms and families worry less about money and focus more on the finer things in life.

My team and I serve families throughout Chicagoland and across the U.S with retirement planning services. We also specialize in assisting working professionals in the Pinoy Community achieve their retirement dreams.

When I’m not perfecting retirement plans, you can find me spending time with my wife and THREE sons or watching the Chicago Bears!

Dustin's Credentials

CFP®

Certified Financial Planner™

The CFP® or CERTIFIED FINANCIAL PLANNER™ Certification is the most respected financial credential for financial planners, financial firms, and those seeking the advice of a financial planner. CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

AWMA®

Accredited Wealth Management Advisor ℠

The AWMA® or Accredited Wealth Management Advisor℠ certification requires abiding by a code of ethics and passing a certification examination covering coursework that addresses the asset management needs of individuals. The coursework provides candidates with advanced knowledge in asset management, allocation and selection, investment performance and strategies for retirees and small business owners, estate planning, income tax and benefits planning, and risk management and investment issues for high net worth clients.

ChFEBC

Chartered Federal Employee Benefits Consultant℠

Federal Benefit Professionals complete extensive training to become a ChFEBC℠ (Chartered Federal Employee Benefits Consultant℠). They are required to stay up-to-date on the ever-changing Federal Government Benefits Programs. They have extensive knowledge about FERS, CSRS, Special Provisions (LEO, FF, ATC, CBPO, MRT)

Licenses

Series 66 License: Uniform State Law

Life & Health Insurance License
Property & Casualty Insurance License

Why Choose Defined Capital

Fiduciary

Fi-du-ci-what!?
It’s simple - we are personally liable if we give you bad advice.

CFP® Professional

Only 25% of all financial advisors in the industry hold the CERTIFIED FINANCIAL PLANNER™ designation.*

*Source www.cfp.net, www.cerulli.com

Independent

We do not represent any specific investment or insurance company like many banks and other financial institutions.

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