What Martin Says:

My first encounter with Dave Donhoff and No Bull Financial was through the Motley Fool web site a number of years back. I was in the process of looking to refinance my home loan and needed guidance on my options. Dave offered unvarnished advice on what to look for and how to shop for refinancing. He was very respected and sought out by other members of the Motley Fool community. Dave was patient in explaining all the details and was happy to answer all of my questions, even the dumb ones. I eventually went with Dave to refinance my home. I also used Dave’s services to open a HELOC for some improvements. Over the subsequent years and months I have stayed in contact with Dave for other financial matters. Dave has always made some time to explain things to me in the simplest of terms. Keep in mind that I have never entered into any official services arrangement with Dave and No Bull Financial yet he has never asked to be paid for his advice.

So one may ask, “What is it about Dave that you stay in contact with him?” Well it is not because he is free. If he thought his time should be compensated in some way I would gladly pay for it. To put it quite simply, Dave cares. His objective is not to sell you something. Dave takes the time to listen to why you are where you are, and as I mentioned previously, offers unvarnished advice. In my case it may not have been what I wanted to hear, but it definitely was what I needed to hear. He wants to make sure you understand your options and guide you to make the right financial decisions.

Martin