Financial guidance
you can rely on.
For those who are serious about building a brighter financial future
You lead a busy life and juggle a multitude of responsibilities. We recognize the challenges you face and believe that you deserve a financial partner who genuinely cares.
At WDW Financial, we prioritize your needs, aiming to alleviate the stress of managing your finances. If you’re seeking a dedicated team to support you in securing your financial future, we’re here to help.
WDW FINANCIAL
Meet Our Team
Michael H. Westbrooks
Partner
Michael H. Westbrooks
PARTNER
With a lifelong connection to the financial services industry and a drive to embrace new challenges, Michael H. Westbrooks brings a unique perspective to his role as a Financial Advisor and Partner at WDW Financial. While the firm's roots run deep—it was founded by his father in 1969—Michael's passion for the work truly blossomed in his 30s, igniting a desire to guide others on their financial journeys.
Michael's favorite piece of financial advice guides his interactions with clients and his team:
Maintain a keen eye on the line between wants and needs.
This philosophy extends beyond his professional pursuits, shaping his involvement with several charitable organizations close to his heart, including Dallas Life, Teach Haiti, and BridgeBuilders International.
On the personal front, Michael's world revolves around his wife, Loree, and their three daughters, Hannah, Olivia, and Phoebe. When he's not spending quality time with his loved ones, you may find him exploring the great outdoors through his favorite pastimes of BikePacking and golf, or making a getaway to his favorite vacation spot – northern New Mexico.
Looking ahead, Michael is driven by a vision to build a firm that will long outlast his tenure — a legacy rooted in integrity, personalized service, and a genuine commitment to guiding clients toward their definition of financial freedom. He is motivated to embrace each new challenge wholeheartedly, continually growing as an advisor and human being.
Michael's unique perspective, informed by a lifetime of exposure to the industry and a deep passion for helping others, makes him a trusted guide for WDW Financial's clients. He looks forward to supporting you on your financial journey, wherever it may lead.
Fun Facts:
- Bucket list item: Bike the Great Divide Trail from Mexico to Canada
- Hometown: Houston, Texas
- Local favorite: Biking at White Rock Lake
Phone: 469-621-1800
Email: michael@wdwfinancial.com
David J. Dugger, CPA, CFP®
Partner
David J. Dugger, CPA, CFP®
PARTNER
David Dugger has spent his career empowering clients to find freedom and purpose in their financial lives. David earned his BBA and Master of Professional Accounting from the University of Texas at Austin before becoming a Certified Public Accountant (CPA) and a CERTIFIED FINANCIAL PLANNER™ professional.
David's inspiration to join the finance industry stemmed from the mentorship of WDW Financial's founder, James Westbrooks, whose ability to connect with clients deeply opened David's eyes to how financial planning can go beyond the dollars and cents to make a profound impact on the lives of WDW’s clients. Today, as a Partner, David treasures the opportunity to pay that wisdom forward by mentoring the firm's next generation of advisors.
When he's not working, you'll find David enjoying quality time with his wife of 28 years, Shannon, who is a teacher, his grown daughter, Rachel, his college-aged son, Jack, and the family's goofy dogs – Stumpy and Frank. An avid traveler and live music enthusiast, David also embraces any chance to explore the outdoors through hiking.
Inspired by the best advice he's ever received — "There will be another 'great deal'" — David grounds his financial approach in prudence and perspective. Alongside his professional commitments, he is passionate about supporting his local community through his board involvement with Network of Community Ministries and his personal contributions to the Alzheimer's Association and Doctors Without Borders.
Fun Facts:
- Bucket list item: Visiting every National Park
- Hometown: Richardson, Texas
- Local Favorite: Texas State Parks and Casa Mama Restaurant
Phone: 469-621-1800
Email: david@wdwfinancial.com
Daniel Malone, CFP®
Partner
Daniel Malone, CFP®
PARTNER
Driven by a passion for assisting others and a knack for simplifying complex financial issues, Dan Malone thrives as a Partner at WDW Financial. He graduated from Kansas State University with a Bachelor of Science degree, furthered his education in Financial Planning at Texas A&M University, and ultimately earned his CERTIFIED FINANCIAL PLANNER™ certification.
On the home front, Dan's life is enriched by his wife, Kate, who is also a financial planner, and their beloved dog, Miley. When he's not working alongside clients, you'll likely find Dan traveling, exploring new culinary adventures in the kitchen, or enjoying quality time with his furry companion.
Beyond his professional commitments, Dan believes in giving back to the community. He is actively involved with Operation Kindness, an organization dedicated to caring for homeless animals and providing life-saving medical care.
With a client-focused approach rooted in integrity, Dan derives immense fulfillment from helping individuals and families confidently navigate their financial journeys. His ability to break down complex concepts into easy-to-understand terms empowers clients to make well-informed decisions aligned with their goals.
At the core of Dan's work is a genuine desire to foster financial peace of mind. His personal connection to his work and his clients instills a sense of trust and reliability. He eagerly looks forward to guiding you through every stage of your financial life with a personalized, caring touch.
Fun Facts:
- Bucket list item: Visit all 7 continents
- Hometown: Dallas, Texas
- Local favorite: Whistle Britches
Phone: 469-621-1800
Email: daniel@wdwfinancial.com
Stephen Falk, CFP®
Partner
Stephen Falk, CFP®
PARTNER
Stephen Falk brings over two decades of financial expertise to our team, having started his journey with us as a college intern in 2002. After graduating from the University of North Texas in 2004 with a Bachelor's degree in Accounting and a minor in Financial Planning, Stephen seamlessly transitioned into a full-time role, demonstrating his commitment and value to our firm.
Born in the bustling metropolis of New York City and raised in the diverse Houston area, Stephen's background offers a unique blend of big-city insight and Texan practicality. This perspective, combined with his extensive experience, allows him to provide nuanced financial guidance to our clients.
Stephen's dedication extends beyond the office. He is a proud husband to Michelle and a devoted father to their two daughters and son. His commitment to community service is evident in his active involvement on the boards of the Anti-Defamation League (ADL) and Hillels of North Texas, where he contributes his time and expertise to make a positive impact.
With his strong academic foundation, years of hands-on experience, and a passion for both his profession and community, Stephen exemplifies the values of our firm. His approachable nature and deep understanding of financial planning make him an invaluable asset to our clients and team alike.
Fun Facts:
- Bucket list item: Travel to all of the baseball stadiums – go Yankees!
- Hometown: New York City, NY
- Local favorite: Nate’s for crawfish season!
Phone: 469-621-1800
Email: stephen@wdwfinancial.com
Wen Luisi, MBA, EA, CFP®
Financial Planner
Wen Luisi, MBA, CFP®, EA
Financial Planner
Wen Luisi is a financial planner at WDW Financial. As a CERTIFIED FINANCIAL PLANNER™ professional and Enrolled Agent, she works closely with the firm's partners to provide comprehensive financial planning and tax advice to clients.
Originally from Lanzhou, China, Wen moved to Texas at age 17 as an exchange student through AFS International and has since made it her home. She earned her MBA from LeTourneau University in east Texas, where she also completed her undergraduate studies.
Wen is passionate about financial planning because it allows her to help people reach their financial and personal aspirations through proactive strategies. Inspired by Morgan Housel's insight from “The Psychology of Money,” that “controlling your time is the highest dividend money pays,” Wen aims to help her clients use their time in ways that truly reflect their values.
Outside of her professional life, Wen finds joy in a variety of personal pursuits. Her love for travel takes her to destinations where she can immerse herself in unfamiliar cultures and languages, broadening her horizons and deepening her understanding of the world. Closer to home, she finds solace in practicing yoga, indulging in a good book, experimenting with new recipes in the kitchen, and cherishing quality time with her husband and their two feline companions.
Wen also volunteers with AFS, the student exchange organization that first brought her to the U.S., mentoring and supporting current exchange students. She sees it as a way to give back and help others have the same transformative cross-cultural experience she did.
Fun Facts:
- Bucket list item: Hike the Tour Du Mont Blanc
- Hometown: Lanzhou, China
- Local favorite: Osteria Il Muro, a charming Italian eatery in Denton.
Phone: 469-621-1800
Email: wen@wdwfinancial.com
Rachel Kim, CFP® Candidate
Associate Financial Planner
Rachel Kim, CFP® Candidate
Associate Financial Planner
With a deep-rooted passion for empowering others and a talent for simplifying complex financial concepts, Rachel Kim embraces her role as an Associate Financial Planner at WDW Financial.
Rachel's interest in the finance industry was sparked after navigating her own personal-finance challenges, showcasing the significant impact that sound financial guidance can have on a family’s life.
Rachel earned her Bachelor of Arts in Interdisciplinary Studies from the University of Texas at Dallas and is currently a candidate for the prestigious CERTIFIED FINANCIAL PLANNER™ certification. Alongside her professional pursuits, she is an active member of the Financial Planning Association (FPA).
On the home front, Rachel's world revolves around her two amazing daughters, who keep her and her playful 9-year-old pup, Coco, on their toes with a whirlwind of extracurricular activities like competitive tennis, dance, and theater.
When she does find a quiet moment, Rachel relishes the luxury of simply being — an increasingly rare indulgence for this busy mom!
Guided by the quote "Don't sacrifice peace of mind for a piece of luxury" from author James Clear, Rachel approaches her work with compassion and level-headedness.
She is excited by the opportunity to help WDW Financial's clients navigate their financial journeys in a profoundly personal and meaningful way.
Rachel finds immense fulfillment in continually expanding her knowledge to better serve her clients and live out her values, including her support of the Feed My Starving Children organization.
With her empathetic nature, intellectual curiosity, and unwavering commitment to her clients’ success, Rachel is a rising star at WDW Financial.
Fun Facts:
- Bucket list item: See the Northern Lights
- Hometown: Kansas City, Missouri
- Local favorite: Being outside & spending time with family and friends!
Phone: 469-621-1800
Email: rachel@wdwfinancial.com
Shelby Smith
Shelby Smith
Retirement Plan Specialist
Shelby Smith brings a deep commitment to helping clients achieve financial security to her role as a Retirement Plan Specialist at WDW Financial. Shelby earned her Bachelor's degree in Business Administration from the University of North Texas.
Throughout her career, Shelby has focused on building solid relationships with the companies and employees she serves. She finds tremendous fulfillment in guiding younger workers to prepare for their future properly and assisting those nearing retirement with the financial planning needed to confidently transition into their next phase of life. Her favorite financial advice is to "live below your means."
Shelby is actively involved in her community and volunteers with her children’s schools and church. When not at work, Shelby stays busy with her family, including her husband Harold and their three children, Kate, Hudson, and Chloe.
With her expertise and approachable style, Shelby is dedicated to providing outstanding retirement planning services to WDW Financial's clients.
Fun Facts:
- Bucket list item: Visit Austria
- Hometown: Plano, Texas
- Local favorite: When she’s not at work, you can usually find Shelby at soccer games, track meets, school events, and church and school volunteer opportunities at church. It doesn't leave much time for other activities, but she wouldn't have it any other way!
Phone: 469-621-1800
Email: shelby@wdwfinancial.com
Donna Heinley
Client Service Supervisor
Donna Heinley
Client Service Supervisor
With over three decades of experience in business administration, Donna Heinley brings exceptional operational leadership to her role at WDW Financial. Donna earned her Bachelor of Arts in Business Administration from Ouachita Baptist University, laying the foundation for a rewarding career defined by efficiency and client-centric service.
If Donna could share one piece of financial wisdom, it would be the importance of saving from an early age — a principle she has strived to uphold throughout her own journey. On the home front, Donna's life is enriched by her devoted husband of 32 years, Barry, their two grown daughters, Haleigh and Kelsey, two sons-in-law, Chase and Noah, and two beloved grandchildren, Silas and Ari.
As Operations Manager, Donna spearheads initiatives to streamline the firm's processes and leverage innovative technology, ensuring an exceptional experience for WDW Financial's clients. Her commitment to client-centric service is unwavering, and she finds immense fulfillment in empowering the client service team to operate efficiently while delivering truly personalized care.
When she's not at the office, you'll find Donna embracing an active, health-conscious lifestyle alongside Barry. Her favorite moments, however, are those spent cherishing quality time with her beloved family, especially her grandchildren.
With her steady leadership, process-minded approach, and genuine commitment to WDW Financial's clients and team, Donna plays an integral role in the firm's continued growth and success. Her strategic decisions and dedication to excellence inspire confidence in the future of WDW Financial.
Fun Facts:
- Bucket list item: Travel more!
- Hometown: Richardson, Texas
- Local favorite: Her own backyard – cooking, entertaining, and swimming!
Phone: 469-621-1800
Email: donna@wdwfinancial.com
Jen Wilhoit
Client Service Associate
Jen Wilhoit
Client Service Associate
Jen brings a caring touch and adventurous spirit to her role at WDW Financial. After earning her Bachelor's degree in Animal Science from Texas Tech University, Jen's journey led her to the world of financial services, where she combines her organizational talents with a genuine desire to help clients achieve their goals.
When she's not ensuring a seamless experience for WDW Financial's clients, you'll likely find Jen savoring quality time with her husband and family pets – chasing after her toddler! Jen also loves reading – packing a book to relax outside or at the park.
With her upbeat personality and commitment to outstanding service, Jen is an integral part of the WDW Financial team. She looks forward to warmly welcoming you and ensuring your financial journey is a rewarding one.
Fun Facts:
- Bucket list item: Visiting every National Park
- Hometown: Corpus Christi, Texas
- Local Favorite: Anywhere with a good patio!
Phone: 469-621-1800
Email:jen@wdwfinancial.com
Terrie Winter
Terrie Winter
Client Service Associate
Terrie Winter brings a genuine desire to help others to her role as a Client Service Associate at WDW Financial. She has formed many rewarding relationships with the firm's clients over the years, valuing the personal connections that extend beyond just professional duties.
Now that she and her husband are empty nesters, Terrie enjoys spending quality time with him through activities like walking, biking, and traveling together. She still prioritizes family, taking opportunities to get together and explore new places when possible.
While devoted to her work at WDW Financial, Terrie also makes time to give back to her community by volunteering with the Dallas Life Foundation.
With her commitment to cultivating strong relationships, Terrie plays an integral role in upholding the exceptional client experience at WDW Financial. She looks forward to welcoming new and existing clients, and helping them work toward their financial goals.
Fun Facts:
- Bucket list item: Visiting New Zealand
- Hometown: San Diego, CA
- Local favorite: McKinney’s Farmer’s Market
Phone: 469-621-1800
Email: terrie@wdwfinancial.com
Our History
How it all started
WDW (Westbrooks Dugger & Westbrooks) Financial has been introducing individuals, families and companies to financial products and services for more than 50 years, beginning with our founding partner, James Westbrooks. Learn more at the link below.
Let's have a conversation
If you think WDW Financial might be the right fit for you, reach out and our team would be happy to discuss next steps.