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.