JD Wealth Management, LLC is the independent financial advisory practice of Jill L. Ditter, CFP®, serving investors from its office in Palm Desert, California. Jill brings more than 30 years of experience helping people make investment decisions for the future. Her services include financial planning, investment advice, retirement planning, education funding, and estate planning.

The practice emphasizes personalized guidance rather than proprietary products. Jill develops recommendations around each client’s goals, income needs, retirement activities, and stage of life. Planning may address asset allocation, broad diversification, and near-term cash needs, with access to established custodians and well-known investments. Clients can receive ongoing communication, performance reporting, regular portfolio reviews, and service tailored to their needs. A portfolio review is offered as a starting point.

Fees are transparent and based on the scope of services, with options for hourly billing or an advisory fee based on assets under management. Investment advice and financial planning are offered through Gallacher Capital Management, LLC, a registered investment advisor and separate entity.