Most people assume they know where they fall on the spectrum of financial independence. This July, it is worth taking a closer look. The stage you occupy shapes every financial decision you should be making right now.

Few topics divide a room faster than politics. We recognize that any political commentary risks alienating one segment of our audience while exciting another. But our responsibility is to provide an unbiased perspective on the variables that matter for your portfolio and financial plan. November's midterm elections, now four months out, qualify as just that, since the outcome will shape the policy backdrop for 2027 and beyond.

There has never been a more consequential time to be an advisor in the wealth management industry. Private equity capital is pouring into the RIA space at a record pace, fueling consolidation across the industry. At the same time, advisors are navigating unprecedented changes. Artificial intelligence is redefining how advice is delivered, even as its long-term implications remain uncertain. The opportunities for advisors have never been greater. But neither have the stakes.

In preparation for the upcoming SpaceX IPO opportunity, Diversify’s Chief Investment Officer, David Wrigley, has recorded an educational webinar covering key considerations surrounding the offering. In this presentation, David discusses the IPO process, potential risks and opportunities, allocation considerations, and important factors investors should evaluate before participating. Its purpose is designed to provide objective education.

Major global equity indices keep notching fresh highs. Following a brief geopolitical wobble in March, the S&P 500 just recorded its eighth consecutive weekly gain, marking only the fourth time this has happened in two decades. Better than expected earnings growth is responsible for much of the recent gains. Tech titans, the AI supercycle, and record profit margins are doing the heavy lifting. The market is euphoric but remarkably narrow.

This fireside chat features Diversify President, Dave Laga, and Cliffwater Managing Director, Michael Cohan, discussing private credit, an area of growing interest for investors.

In our March 5th piece, we summarized the initial implications of the U.S.-Israel strikes on Iran and the effective closure of the Strait of Hormuz. We discussed the tail risk of oil moving from pre-war levels (mid-$60s for WTI) to over $100 per barrel due to largescale supply shocks and the potential that energy infrastructure would be targeted. This has become a reality.

War is never easy to write about given the human toll and the rippling fear and uncertainty it creates. But it's our responsibility to cut through the noise, assess what we know, and provide a balanced view of what this geopolitical conflict means for the economy and portfolios.

What happens when the most disruptive technological force in a generation (AI) turns its sights on the very industry that built it? That's the question confronting software investors today.

On Friday, January 30th, President Trump announced his nomination for the next Chair of the Federal Reserve (Fed) as former Fed Governor Kevin Warsh. If confirmed by the Senate, Warsh will succeed current Chair Jay Powell, whose term expires in May.

The stock market has delivered another strong year in 2025. The major indices tell a positive story. But beneath the surface, the reality is more nuanced.

Overview: Recent high-profile bankruptcies of companies partially financed with private credit have sparked questions about whether these cases signal broader credit concerns. Many are wondering if they are the “canary in the coal mine.” Our view: these are isolated casualties of bad business fundamentals and excessive leverage, combined with inadequate lender due diligence and fraudulent conduct. A toxic cocktail, to be sure, but not a systemic warning sign. In this Diversif

The Harding team (from left to right): Chris Donovan, Rob Doherty, Ben Harding, Kim Harding, Matt Angel Salt Lake City, Utah, November 18, 2025 — Diversify , a leading advisor-founded wealth management platform, based in Salt Lake City, Utah, announced the addition of Harding Financial and Insurance, a Boston-based team of five advisors overseeing $650 million of assets. Harding’s arrival follows the recently announced additions of Boston Wealth Advisory Group , a $170 milli

Financial advisors Marcus Papajohn and Kevin O’Sullivan have joined Diversify from Commonwealth, bringing approximately $170 million in total assets.