Frequently Asked Questions

What makes Diversify different from other financial planning firms?

Finding a financial advisor can be a difficult decision. There are many financial advisors in the United States. Many of them are quite knowledgeable and ethical, while others don’t have near the knowledge and experience necessary to provide advice on such an important subject or they simply do not have their client’s best interest in mind.

At Diversify, we pride ourselves on being up-front, honest and education driven. Our philosophy is not to push any of our clients into an investment. In fact, for some, we will tell them that investing may not be the right decision for them at a particular time and that their efforts should be directed towards paying down debt or building emergency savings. We believe that all investments have a potential reward, a potential risk and a fee. Our job is to educate you on those, and other subjects, how they could fit into your financial goals and help you understand your options. In contrast to many financial advisors, we are truly independent. We do our homework in an attempt to find those investments that might fit into your financial goals and provide diversification. We have specialists in many fields of the investment, insurance and mortgage industries and we want our clients to have one company that can handle all their financial needs.

At Diversify we are known for our wide range of securitized commercial real estate offerings. Our independent model allows us to provide this type of asset class to our clients, which may not be available to other financial advisors.

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How much does it cost to work with Diversify?

The fees associated with investing can vary depending upon the types of investments made, the amount of the investment and the time horizon of the investment. At Diversify, your initial consultation is complementary. This is an opportunity for us to better understand your current financial situation, your goals and your risk tolerance. It is also an opportunity for us to explain the various fees involved with different types of investments and help you choose the fee structure with which you are most comfortable.

With some investments, you will pay an annual percentage based upon the balances of your investments. With others, you might pay a percentage of any new investments made. Some clients prefer to pay an hourly rate. In addition, investors need to know what other parties might be involved, such as a mutual fund company, and the fees involved with those other parties.

At Diversify we strive to make sure that our clients understand all the fees involved with investing and what services they are receiving in return for those fees. We want every client to know exactly what they are paying and how those fees fit into their overall financial goals and how they may impact their rates of return.

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If I invest my money with Diversify, what kind of ongoing help do I receive?

At Diversify we emphasize relationships and education. A common complaint we hear from prospective clients who have worked with other advisors in the past, is that their former advisor was helpful until they invested their money and then they never heard from that advisor again. This is absolutely unacceptable and will not be tolerated at Diversify. Every client who works with Diversify will establish their “follow up” plan. This is the agreed upon schedule that determines at what intervals they will be contacted by our staff and how often they will meet with their advisor to review financials, review rates of return, reallocate investments or simply answer questions. Once this schedule is determined, our staff of qualified account managers will contact the client on a regular basis.

In addition, Diversify has a dedicated education platform. We strive to educate our clients through newsletters, conference calls, educational seminars on various investment topics and more. If we feel an urgent notice needs to be made, we will e-mail our clients with those notices. We want our clients to be educated and informed. This especially holds true in volatile or down market conditions, which can be stressful and worrisome to any investor.

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What if we don’t live near a Diversify office?

We would of course prefer to have an office in every location in which our clients reside, and we continue to look for new office locations to better accommodate our current and future clients. We enjoy meeting our clients face-to-face on a regular basis and we try to accomplish this as frequently as possible, even with those at a long distance. However, with advances in technology and with our qualified support staff, we have been able to better meet the needs of our clients near and far. Many of our clients reside out of state. With those clients, we hold regular conference calls or video chats. Our advisors also travel regularly to the areas in which we have clients in an effort to see them face-to-face. Fortunately, we believe we have been able to communicate and educate our clients of longer distances just as frequently and effectively as those in our backyard.

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What is your philosophy on insurance?

Diversify Insurance, Inc. is a subsidiary of Diversify, Inc. and is our independent insurance division. Risk management plays an important role in developing a financial plan and we have insurance specialists to assist our clients in trying to protect their assets and mitigate their risks with the right types of insurance.

Insurance is a controversial subject at times and in our opinion, some insurance agents take advantage of individuals by offering and selling high commission insurance products or using insurance as an investment vehicle. At Diversify we generally do NOT believe in life insurance as an investment vehicle. This includes products such as whole life policies, variable life policies or variable universal life policies which have high premiums and high fees that can erode rates of return and in our opinion are an improper use of investment assets. We believe that insurance should be purchased as an asset protection vehicle and not as an asset growth vehicle. Insurance can also play an important role in estate planning for high net worth individuals and families.

Our agents at Diversify Insurance, Inc. represent hundreds of insurance companies and offer a wide range of independent insurance products, which include: life, health, disability, long term care, auto, home, umbrella, business insurance and more. Our advisors will do an in depth review and determine which types of insurance might fit into your financial goals, what amounts of coverage are applicable and then follow up annually in an effort to make sure adjustments are made if necessary.

Visit for more information on our insurance division.

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What is your philosophy on debt?

Debt can be a dangerous trap for many financial plans. There are advisors and financial professionals who believe that high leverage can allow you to make money on other’s assets. With interest rates at all time lows, investors are being encouraged to increase leverage and borrow “cheap money” to accelerate their investment growth.

At Diversify we are in strict disagreement with this philosophy. We understand the mathematics behind this belief, however, we have met with thousands of individuals and families and we have witnessed firsthand, the danger that high leverage can cause to a financial plan. The recent global economic troubles have exposed this philosophy and put many individuals and families in severe economic distress. We believe that the only debt one should obtain is a home mortgage and we believe that paying off that home mortgage should be a priority. As part of the investment and financial plan that we implement for our clients, we help them establish a system for the eventual pay off of their home.


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Diversify, Inc. is a branch office of DFPG Investments, Inc. Securities and Investment Advisory Services offered through DFPG Investments, Inc. Member FINRA/SiPC. Insurances offered through Diversify Insurance, Inc.

This is neither an offer to sell nor a solicitation of an offer to buy securities. Any information contained on this website alone should not be used in making investment decisions. Investors should carefully consider the investment objectives, risks, charges, and expenses associated with any investment.

Check the background of this firm on FINRA's BrokerCheck.

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