01 Interactive Planning Session
We have put an end to boring questionnaires and convoluted one-size-fits-all templates typical of many financial advisors. You will meet face-to-face with one of our Certified Financial Planners™ in our state-of-the-art, interactive planning room and technology. They specialize in simplifying complicated things.
You’ll see your personal financial plan brought to life in way that is easy to understand, follow, and trust. Taking ownership of your plan may almost happen subconsciously.
Invest an hour or two of your time with our team of experts envisioning, discussing, and creating the foundation of your living and breathing financial plan.
With a concrete vision and an accurate model of your future, you can watch your plan seamlessly implemented into action using our Divergent Wealth white glove service model.
Your plan will be constantly monitored by our Divergent Wealth team. We will work with you to develop communication expectations so we can keep you abreast of any changes that occur. At least once a year, or as often as your needs require, we will update your financial plan together to make sure it is on track and in shape.
02 Elegant Investment Approach
Our investment strategy is the opposite of almost every other strategy we have seen. It is easy to grasp, yet elegant and sophisticated in its execution. Not only have we figured out a way to provide great performance, but we have also discovered how to do it for substantially less than most active managers.,Our investment strategy is simple enough that our clients can easily articulate how it works, yet sophisticated enough that it has taken years to perfect. Our strategy uses passively managed ETF’s in a way that allows us to take advantage of volatility in the market. The more volatile the markets become, the more opportunity we have to create value. Learn about the SIX PRINCIPLES that guide it.
- 57% of large-cap managers
- 61% of mid-cap mangers
- 60% of small-cap managers
underperformed their respective Standard and Poor benchmarks over the last one-year period.
- 82% of large-cap managers
- 87% of mid-cap mangers
- 94% of small-cap managers
underperformed their respective Standard and Poor benchmarks over the last five-year period.
- 93% of large-cap managers
- 94% of mid-cap mangers
- 94% of small-cap managers
underperformed their respective Standard and Poor benchmarks over the last ten-year period.
03 Credentialed Experts
Most people think all financial planners are “certified,” but this simply isn’t true. Only those who have fulfilled the CFP® Board’s rigorous requirements can call themselves a Certified Financial Planner™. Surprisingly, only 17% of financial advisors have attained their CFP® certification. (See letsmakeaplan.org.) At Divergent, every financial advisor is a CFP® professional, which means that you get nothing less than the industry’s highest level of expertise, experience, and ethics.
- Professional and Ethical Planning Practices
- Fundamental Financial Planning Principles
- Education Planning
- Risk Management, Insurance Planning, and Employee Benefits
- Tax Planning
- Retirement Savings and Income Planning
- Estate Planning