Growing up in a rural town in northern Utah was an idyllic life for a young man in my time. My family owned and operated a small dairy farm and from a young age, I helped with daily chores of milking cows, feeding animals, and harvesting and storing crops. The value of hard work and the principals of reaping what you sow and preparing for the lean times were ingrained in my young mind.
I attended Utah State University in Logan, Utah and after one year in the Electrical Engineering Program, I changed my major to Finance. I was good with numbers but knew that I wanted to work directly with people in my future career goals. It was an immediate fit and I did well and graduated Magna Cum Laude in 1984, with a degree in Finance and minors in Accounting and Economics.
My first job after graduation was with IBM Corp in Salt Lake City in a sales capacity. In 1987, after several successful years there, I declined a promotion which would have taken my young family away from Utah and started my career as a financial advisor with a regional brokerage firm in Salt Lake City. I was one of the earliest adopters of a “fee-based”, commission-free investment platform and quickly integrated financial planning into my practice.
In 1993, I joined Smith Barney Shearson in Salt Lake City, and earned my CFP® certification. The two-year educational program leading to that was a key in my becoming a financial planning professional and has encouraged me to keep learning and growing as a financial planning practitioner.
In 2017, my partners, Jordan Collins, Brady Ririe, and I started Divergent Wealth Advisors, an independent and fiduciary investment advisory firm that has allowed us to better serve the needs of our clients.
Outside the office, I enjoy volunteer work for my church along with biking, hiking, golf, and spending time with my beautiful wife, four children, their spouses and 13 grandchildren.
Growing up in Arizona I worked for my father through the summer heat in his mechanic shop. It was there that I developed a deep appreciation for hard work and client service. While I was working under that hot desert sun, I realized I needed to pursue a valuable education.
Early in life I became aware that I love teaching and helping individuals succeed. As a teenager in high school, I began tutoring other students in math and loved to see them excel. This desire to learn and teach others motivated me to attend Brigham Young University’s Marriott School of Business.
While at BYU I became interested in accounting and personal finance, eventually receiving a bachelor’s and master’s degree in accounting. I began investing for the first time in college and quickly became excited about the idea that my money could work for me. I was pursued by multiple firms and ultimately began my career with KPMG in their Deal Advisory team in San Francisco and Denver. While at KPMG, I guided clients through complex and nuanced transactions. I assisted clients through large mergers and acquisitions, IPO readiness, SEC filings, due-diligence, and other strategic consulting projects. These experiences enabled me to achieve my goal of becoming a CPA. This strong financial background has helped me gain further insight into understanding the fundamentals of investing.
My parents instilled in me the importance of living frugally and saving for the future, the foundation of prudent living and investing. I love teaching personal finance, tax planning, retirement strategies, and investing. Lives change as families understand sound financial principles and invest wisely. The world is truly better as families taste the freedom that comes from wise money management. Divergent Wealth allows me the opportunities to further my personal mission of guiding others to financial independence.
When I am not dreaming about retirement planning and investing, you can find me on the river fly fishing. Being outside with my adventurous wife, Emma, makes life exciting. We love to fish, ski, cycle, and sing Disney songs.
I knew from a fairly young age that I had a knack for finance, math, and people. I was lucky that I found a profession early in my life that would check all my boxes. I tailored my studies and extra-curricular activities from my youth to try to obtain an enhanced skill set that could help me help others.
Though it seems like an oxymoron, I'm an extroverted spreadsheet nerd who loves to learn complicated things... but even more than that, I realized I have a passion for figuring out how to simplify those complicated things and then teach them to other people.
My love for working with people helped earn me a four-year full-ride leadership scholarship to Utah State as I served on the Presidents Leadership Council as a University and President’s Ambassador. I had the opportunity to directly mentor and recruit both high school and college students for Utah State. During my junior and senior year, I had the amazing opportunity to serve with the President of the University as he routinely hosted dignitaries from across the country.
Also, during my senior year, I interned for Smith Barney, a world-class wealth management firm. I felt immediately confirmed in my career decision that helping people succeed financially was exactly what I wanted to do. In 2006, I graduated with honors in both Finance and Economics, with an emphasis in Financial Planning, from Utah State University.
I was accepted out of college into Smith Barney's nationally recognized training program and completed the three year training near the top of my class. My father, Rick Collins, and I partnered together with the objective of providing a unique interactive financial planning and investment experience for our clients. Over the next decade we grew to become one of the largest teams at Morgan Stanley in the state of Utah.
From the start of my career in the finance industry, I was never a fan of the historically stodgy and archaic approach it tended to portray. With a load of new ideas to change and disrupt the industry, in 2017 my partners and I resigned from Morgan Stanley and created Divergent Wealth Advisers, a firm that is redefining the value of an adviser. Most of our clients followed us and have been our loyal ambassadors on this amazing journey. This process of starting our own independent wealth management firm has allowed us an open architecture to deliver the tangible value I think every client should have the right to experience.
When I'm not focused on clients or disrupting the financial planning industry, you'll likely find me somewhere in the mountains with my beautiful wife (that is still far out-of-my- league) and our four amazing kids. If we aren't hiking, biking, or skiing in the mountains, I'm probably dreaming of Lake Powell or criss-crossing the fairways of one of Utah's golf courses trying desperately to find the glory days when I was actually decent at the sport of golf.
I love financial planning, solving complex problems, and executing a plan based on sound financial principles. My collegiate focus was tailored to help me find a position and firm in the world of personal finance. In 2011, I graduated as a Newel K. Whitney Scholar from BYU-Idaho with a major in Finance. During my studies, I served as the Student Body President and experienced incredible opportunities for leadership and critical thinking. During my senior year I worked at JPMorgan and UBS Wealth Management, gaining invaluable experience at two highly respected firms.
After graduation, I was pursued by multiple wealth management firms and ultimately decided to join Morgan Stanley for my start in the industry. I was able to quickly establish myself as a qualified and sought-after adviser for Institutional and Private Wealth Management needs by obtaining my Chartered Retirement Plans Specialist (CRPS®) and CERTIFIED FINANCIAL PLANNER™ designations.
During my first three years in the Morgan Stanley Cottonwood, Utah office, I often found myself collaborating and working closely with Rick and Jordan Collins. Our desires, visions, and work ethic were aligned and in 2016 we officially created a team and partnership that grew to become one of the largest wealth management teams at the firm in the state of Utah.
With the continued growth, we eventually found that an independent fiduciary platform allowed us to better serve our clients in a way that made more sense. In 2017, we started Divergent Wealth Advisors with an emphasis on changing the way clients engage with advisers and haven’t looked back since.
When I'm not in the office, you'll likely find me on the soccer field, running the hills of Corner Canyon in Draper, or spending time outdoors with my four kids, Oliver, Miles, Hudson, and Isla, and my beautiful wife, Kiera.
Growing up in a household of four brothers, I learned from a young age how to hold my own and eat as much of the cereal as I could in one sitting. Looking back, it taught me the basic principles of economics (supply, demand, scarcity, and abundance).
My parents and grandparents instilled in me a great set of principles to help me succeed in the business world. From an early age, I had a passion of figuring out how to make and manage money. I also loved making people smile. From neighborhood kid carnivals to my own lawn care business, I learned before I could have a “real” job what I liked to do and how to provide real value.
My real-life working experience started at the age of 12 at my uncle’s grocery store where I learned the ins and outs of retail sales. Even though my uncle eventually sold his store, I stayed in the grocery business all the way through my college years. I worked my way up at a large grocery store chain and shortly after graduating from Weber State University was asked to be the Store Director. In that position I managed the operations and finances of several stores along the Wasatch Front.
Being the director of several grocery stores gave me incredible operational experience. I quickly realized not only did I love creating a well-oiled operational machine, I was actually really good at it.
In 2014, my family and I decided to take a leap of faith and leave the grocery business. My dream was to use my operational and logistical expertise to help a smaller company really move the needle and dramatically improve their client experience.
I became the Director of Insurance Operations for a firm in Salt Lake City and quickly learned that I had a passion for helping people solve complex financial issues.
In 2019, I was approached by Divergent Wealth about working closely with the founders of the company and running the operations of their entire business. The more I learned about their value proposition and desire to disrupt the financial planning and investment industry, I knew it was something I could quickly get passionate about.
I love working for a company whose entire mission is to provide their clients with an abundance of value and to simplify complicated things all while helping them achieve their financial goals.
Though I’m not perfect at it, I know life is about balance. So if you don’t find me in the office, you’ll likely find me with my wife and three kids exploring all the mountainous beauty and recreation Utah has to offer.
Growing up in a home where my dad worked as a CPA, I was taught to be a good steward over money from an early age. From the time I was twelve years old and started working, my parents encouraged me to keep a budget in Quicken and track my monthly expenses. Though I protested many times about the cruelty of making a twelve-year-old track his finances, it changed my life. I quickly learned that money was a vehicle that, if controlled, could bring peace and could be used to bless the lives of others. Over the years, I developed a love for budgeting and thrift because of the opportunities I had to enjoy life and serve other people.
I continued to work through high school and college. During my junior year of college, I accepted a job as a recruiter at Ascend Staffing where I developed a love for counseling individuals in their careers. In 2017, I graduated Summa Cum Laude from Utah State University with a dual major in Marketing and Business Administration.
After graduation, I accepted an offer from Ascend Staffing to work as the branch manager in Layton Utah, where I managed an office of three internal employees and fifty field employees. Over the next two and a half years, my team and I grew and quadrupled the net income of the branch and placed 180 people in new jobs. I developed a strong business acumen and an ability to effectively manage the company’s financials.
While at Ascend, I saw something that would spark a passion that led to a career altering decision. I saw the dire need for financial education in those that I worked with, and found that when they asked me how to improve their financial situation, helping them brought me incredible joy and fulfillment. I made the decision that I would dedicate my career and my life to something that I loved doing and that I had the natural ability to do. I decided to pursue a career as a wealth advisor, and I began interviewing various firms.
The culture and investment principles at Divergent Wealth Advisors resonated deeply with me, and I have been a strong advocate for the firm ever since. I love what I do and what I'm working towards, and I find such a strong sense of fulfillment in this career.
When not at work, I love spending time outdoors and on vacations with my beautiful wife Kaylee and our two kids, Annie and Tyler.
Bottom-line… I love seeing the look on someone’s face when they experience real unexpected unadulterated value. That is the impact I want to make. That is what drives me in life.
You can call me a "people-pleaser" if you want, but ever since grade school, I knew that genuine relationships with others had to be a part of my life forever. That natural affinity for people and my low-key prowess for congeniality quickly grooved its way into my personality as I entered the family owned bakery business at 13 years old.
The family business instilled a work-ethic that I will forever be grateful for. I’m not afraid of hard work and love to dig deeper when most people want to give up.
That work ethic carried me to graduating high school with an honor’s diploma, a two-year church mission to Chile, and to the University of Utah where I am paying and paving my own way.
The world of personal finance has always captured my attention as a career path that I knew I could be successful with. It checked all my boxes.
As I started school, I accepted a position at Fidelity Investments, where I began studying for my series 7 and 63 licenses. After passing, I quickly established myself as a top performing representative for the company even while going to school on the side.
As I set out on an expedition to ultimately find a wealth management company that I could lay down some long-term roots with, Divergent Wealth was heads and shoulders above the rest. Their vision, their process, and their client experience was inspiring, but the deal maker was the humble culture and life focus in and out of the office.
When I am not relentlessly focused on serving our clients and building my own book of business, you’ll probably just find me hanging with my wife out in the mountains, trying desperately to convince her we need to get a dog named Kenny , or hopelessly attempting to lower my handicap on the golf course.
As a teenager I found great satisfaction in serving others; and having grown up in a blue-collar home, I was able to develop a myriad of useful skills. Before too long I began reaching out to neighbors and friends asking if I could help them make minor repairs on their car, or small improvements to their homes, all for free! My reward was being able to help someone in need.
Fast forward more than a decade and I now have another unique skillset, accounting and finance. After graduating from BYU with a bachelor’s and master’s degree in Accounting, I went on to work for Deloitte, LLP where I spent the first few years of my career developing a strong understanding of the Internal Revenue Code. My immediate supervisors were so impressed with my abilities that I was recruited to a specialty group that performed complex tax analysis.
As accomplished as I felt, I woke up one day and realized that something was missing. I didn’t have the opportunity to see my skills directly benefit the life of someone else. I helped large companies restructure their entire organization to save millions in taxes, but I didn’t feel like I was making a difference in the life of any one individual.
This realization reminded me of a guest speaker I had in one of my finance classes at BYU. He talked about how he worked one on one with others, helping them plan for their future and become financially independent. He spoke of the strong relationships he had with his clients, describing them more as friends than anything else. He said he provided a service for others that provided the freedom needed to accomplish their life goals. And then it clicked…this is the career for me!
With a background in finance and accounting, and a strong partner like Divergent Wealth, I am uniquely qualified to do what I love: help others plan for the future and become financially independent so that they can pursue their life long dreams.
After hours I enjoy exercising and serving in my local community. But my favorite thing to do it spend quality time with my wife and children.
Theresa attended Utah State University and studied special needs child development. She has an extraordinary ability to connect with people, perceive their needs, and selflessly serve them. Theresa helps manage the culture and morale of the company, its team members, and its clients. She is ensures everyone is performing to the best of their ability. She is the face of the firm and and the heart of the office.