Important Disclosures

At Diversify, we prioritize transparency and providing our clients with the necessary information to make informed decisions. Our Disclosures page serves as a comprehensive resource where you can find important disclosures and legal information regarding our services, terms, and conditions. We understand the importance of clear communication and strive to maintain a high level of integrity and compliance in our operations. Explore our Disclosures page to access the relevant information you need to better understand our business practices and how we can assist you in achieving your financial goals.

Business Continuity Plan

Diversify Wealth Management has adopted the Diversify Advisor Network global business continuity plan to ensure that we are prepared for disruptions to our business.

As the timing and impact of disasters and disruptions are unpredictable, we must be flexible in our response to events. Recovery strategies include work-from-home capabilities, prioritization of operations functions, and system recovery procedures. The severity of disruptions can also vary in scope, and this framework is designed to help us manage recovery of critical operations in the following situations:

Functional Disruption (Loss of key personnel, departmental systems disruption)
Temporary Disruption (Short-term evacuation, Major systems crash, extended power outage, etc.)
Significant Disruption (Generally causing the site to be inoperable such as a fire, earthquake, etc.)
Catastrophic Disruption (Major disaster, generally affecting a large area or involving personnel loss)

Business continuity plans undergo review with business unit sign-off and are tested frequently.

If the disruption is limited to your advisor’s local area, you may access your funds and securities and request transactions directly through DAN’s Home Office in Sandy, UT – 801.838.9999.

If you have questions about our business continuity plan, you may write to us at, 9017 S Riverside Dr. Suite 210, Sandy, UT 84070 Attn: Compliance or call us at 801.838.9999.

Privacy Policy

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand how we use your information.

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Certified Financial Planner™ Professional

Some of our advisors are certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and he may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.CFP.net.

CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:

Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirements through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.
Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.
Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.
Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:

Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to the CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional’s services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.
Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards.

Accredited Investment Fiduciary® (AIF®)

The Accredited Investment Fiduciary® (AIF®) Designation is a professional certification that demonstrates an advisor or other person serving as an investment fiduciary has met certain requirements to earn and maintain the credential.

The purpose of the AIF® Designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for carrying out fiduciary responsibility.

The designation is offered by Fi360 and is accredited by the ANSI National Accreditation Board (ANAB) for the AIF® Designation. In order to become an AIF® Designee, candidates must complete the following requirements:

Enroll in and complete AIF® Training that satisfies AIF® Training requirements, via online self-paced or instructor led course within 180 days
Pass the AIF® Examination, a closed-book proctored exam of 80 questions with a 70% or better in under 120 minutes.
Meet the experience requirement (prerequisites) including a minimum of eight years of relevant experience, or satisfactory credit towards the credential as determined by the program.
Satisfy the Code of Ethics and Conduct Standards
Submit the application and dues

Following the conferring of the designation, candidates must annually complete six (6) hours of continuing education.

Chartered Retirement Planning Counselor (“CRPC®”)

Education: Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations. The program is designed for approximately 135 hours of study. The program must be completed within 120 days from the date online access is provided.

Examination: Individuals are required to pass an online, timed, and proctored end-of-course examination at a pre-approved testing center with a 70% score or higher. The examination tests the individual’s ability to relate complex concepts and apply theoretical concepts to real-life situations.

After successful completion of the end-of-course examination, individuals apply for authorization to use the designation. The application includes:

Adherence to Standards of Professional Conduct

Integrity: Provide professional services with integrity, honor, fairness, and dignity and maintain client trust and confidence.
Objectivity: Maintain objectivity and impartiality with respect to services rendered and advice given.
Competency: Maintain an adequate level of knowledge and skill and effectively apply that knowledge while recognizing its limitations.
Confidentiality: Keep client information confidential, disclosing only when authorized or compelled by law.
Professionalism: Comply with all laws and regulations as required and applicable, refraining from actions that bring dishonor to you or your profession.
Self-Disclosure: Applicants must disclose any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct. Conferment of the designation is contingent upon the College for Financial Planning’s review of matters either self-disclosed or which are discovered by the College that are required to be disclosed.
Adherence to Terms and Conditions: The Terms and Conditions outline designees’ rights to use the College’s Marks and acknowledge the rights of the College to protect the Marks from unauthorized use by individuals or entities.

Renewal Requirements

Following initial conferment of one of the College for Financial Planning’s professional designations, authorization for continued use of the credential must be renewed every two years by completing 16 hours of continuing education; reaffirming compliance with the Standards of Professional Conduct, Terms and Conditions; and complying with self-disclosure requirements.
The College monitors its designees’ compliance with the designation requirements and standards. Any alleged violations are subject to disciplinary procedures.

Certified Private Wealth Advisor™

Some advisors have earned the Certified Private Wealth Advisor ™ designation. CPWA® certified advisors are seasoned professionals with at least five years of experience and training that positions them to serve high-net-worth clients. Their advanced knowledge of the wealth lifecycle (accumulation, preservation, and distribution) allows them to advise their clients on specific strategies to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.

CPWA® candidates must have at least five years of relevant financial services experience, complete an executive education program at one of the top 25 business schools either in person or online, pass a four-hour, 135 question exam evaluating the competency of concepts learned and agree to abide by the Investments & Wealth Institute’s Code of Professional Responsibility.

Once the certification has been granted, a CPWA® candidate must stay up to date on industry trends, laws and practices with 40 hours of continuing education every two years, including ethics and tax or regulation.

Chartered Advisor in Philanthropy (CAP®)

Some advisors have earned the Chartered Advisor in Philanthropy ® (CAP®). The CAP® designation is offered by The American College. To apply for the CAP® designation, candidates must certify in writing that, (1) for at least three of the five years immediately preceding the application, they have been actively involved in advising individuals or charitable organizations in any of the following areas: wealth and estate planning, financial planning, charitable planning, charitable giving, planned giving, nonprofit or foundation management or services, investment management of charitable trusts, funds or endowments, or accounting for nonprofit organizations as part of your regular practice or employment OR employed in the nonprofit sector in a capacity related to nonprofit management, development, planned giving, or fundraising; and (2) they subscribe to the ethical standards embodied by The American College Code of Ethics and Procedures. Candidates must successfully complete closed-book, proctored exams on three self-study courses.

Reaffirm their adherence to the CFA® Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA® Institute.

Chartered Financial Analyst® (CFA®)

The Chartered Financial Analyst (“CFA®”) charter is a professional designation established in 1962 and awarded by CFA® Institute. To earn the CFA® charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA® Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA® charter holders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm, their adherence to the CFA® Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA® Institute.

Some of our advisors hold the Chartered Financial Analyst® (CFA®) designation. The CFA® designation is offered by the CFA® Institute (formerly the Association for Investment Management and Research [AIMR]). In order to obtain the designation, candidates must:

Meet one of the following requirements prior to enrollment in the CFA Program:
- hold a bachelor’s or equivalent degree from a college/university;
- be within 11 months of the graduation month for a bachelor’s degree or equivalent program by the date of sitting for the Level I exam; or
- have a combination of 4,000 hours of work experience and/or higher education that was acquired over a minimum of three sequential years by the date of enrolling for the Level I exam;
have 4,000 hours of qualified work experience in the investment decision-making process (accrued before, during, or after participation in the CFA Program); and
submit two-to-three professional reference letters.

Candidates must complete a self-study program for each of the levels of candidacy and pass a comprehensive proctored exam at each level comprised of economic and industry topics, including ethics. In passing these examinations, candidates demonstrate their competence, integrity, and extensive knowledge in accounting, ethical and professional standards, economics, portfolio management, and security analysis.

Chartered Alternative Investment Analyst (CAIA)

Mr. Wrigley also holds the Chartered Alternative Investment Analyst (CAIA) designation. Chartered Alternative Investment Analyst (CAIA) is a professional designation offered by the CAIA Association to investment professionals who complete a course of study and pass two examinations. The “alternative investments” industry is characterized as dealing with asset classes and investments other than standard equity or fixed-income products.

The Chartered Alternative Investment Analyst Association was founded in 2002 by the Alternative Investment Management Association (AIMA) and the Center for International Securities and Derivatives Markets (CISDM). Prerequisites are a bachelor’s degree and four years of industry experience. CAIA designees are required to maintain membership in the CAIA Association and adhere to professional and ethical standards. Every three years designees are required to complete a self-evaluation tool to maintain membership.

The Chartered Financial Consultant® (ChFC®)

The Chartered Financial Consultant® (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals and small business owners. You’ll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning. The ChFC® requires three years of full-time, relevant business experience, nine two-hour course specific proctored exams, and 30 hours of continuing education every two years. Holders of the ChFC® designation must adhere to The American College’s Code of
Ethics.

Program Objectives:

Function as an ethical, competent and articulate practitioner in the field of financial planning
Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies.
Apply financial planning theory and techniques through the development of case studies and solutions.
Apply in-depth knowledge in a holistic manner from a variety of disciplines; namely, estate planning, retirement planning or non-qualified deferred compensation.

Certified Regulatory and Compliance Professional (CRCP)®

The FINRA Institute at Georgetown Certified Regulatory and Compliance Professional (CRCP)® program provides compliance, legal and regulatory professionals with an in-depth understanding of the foundation, theory and practical application of securities laws and regulation.

The CRCP® program is delivered in partnership with the McDonough School of Business at Georgetown University and comprises two non-consecutive weeklong residential courses, in addition to extensive pre-course readings and casework. The CRCP certificate is awarded to those who successfully complete the program within a two-year period.

Past participants of the program include compliance and business professionals on a leadership track, practicing attorneys, and foreign, federal, and state securities regulators. Participants in the program benefit from access to world-renowned professors and expert faculty drawn from the securities industry and regulators and build lasting professional relationships with fellow participants with diverse professional backgrounds.

Candidates seeking the CRCP® designation must attend two non-consecutive weeklong residential courses, pass an open-book, proctored exam at the end of each weeklong course and then complete 12 hours of continuing education every three years.

Certified Estate Planner (CEP)

A broad education on estate planning, from a multi-disciplinary approach, i.e., legal, financial, and tax, that incorporates all of the most commonly used and favored methodologies for structuring estates. Candidates must apply for and complete course content in eight topical modules online, approximately 5-6 months of online study. Candidates must successfully complete the course and closed book proctored examination with a minimum score of 70% demonstrating their competency of the subject matter.

After the candidate has received the designation, they must pay their renewal fees, complete eight (8) hours of continuing education, adhere to the professional code of ethics which requires model business behavior, compliance with State and Federal licensing authorities, compliance with represented professional companies and organizations, proper notification procedures, and submission to the findings and rulings of the NICEP with regard to the continued use of any certification which is conferred by the NICEP.

Investment Adviser Certified Compliance Professional (IACCP®)

Designed for compliance professionals wanting to certify their knowledge of investment adviser regulatory obligations and gain additional competence in trading, regulatory mandates, disclosures and other current regulatory priorities. The IACCP program is co-sponsored by COMPLY and the Investment Adviser Association (IAA).
Candidates must complete 17 required and three elective courses taking a deep dive into the Investment Adviser’s Act of 1940 within 18 months of applying to the program. Also, candidates must submit an Ethics assessment and an Ethics statement and have at least two years’ work experience in investment adviser compliance. Candidates must pass a 150 question, closed book proctored examination demonstrating proficiency and understanding the Adviser’s Act.

Upon obtaining your IACCP designee status, candidates are required to maintain their certification through an annual continuing education (CE) requirement of ten (10) courses as well as two (2) ethics courses.

Enrolled Agent (EA)

An Enrolled Agent (EA) is a federally‐authorized tax practitioner who has technical expertise in the field of taxation and who is empowered by the U.S. Department of the Treasury to represent taxpayers before all administrative levels of the Internal Revenue Service for audits, collections, and appeals. The license is earned in one of two ways, by passing a comprehensive examination which covers all aspects of the tax code, or having worked at the IRS for five years in a position which regularly interpreted and applied the tax code and its regulations. All candidates are subjected to a rigorous background check conducted by the IRS.

The IRS Restructuring and Reform Act of 1998 allows federally authorized practitioners (those bound by the Department of Treasury’s Circular 230 regulations) a limited client privilege. This privilege allows confidentiality between the taxpayer and the Enrolled Agent under certain conditions. The privilege applies to situations in which the taxpayer is being represented in cases involving audits and collection matters. It is not applicable to the preparation and filing of a tax return. This privilege does not apply to state tax matters, although a number of states have an accountant‐client privilege.

In addition to the stringent testing and application process, the IRS requires Enrolled Agents to complete 72 hours of continuing professional education, reported every three years, to maintain their Enrolled Agent status. National Association of Enrolled Agents (NAEA) members are obligated to complete 90 hours per three-year reporting period. Because of the knowledge necessary to become an Enrolled Agent and the requirements to maintain the license, there are only about 46,000 practicing Enrolled Agents.

Only Enrolled Agents are required to demonstrate to the IRS their competence in matters of taxation before they may represent a taxpayer before the IRS. Unlike attorneys and CPAs, who may or may not choose to specialize in taxes, all Enrolled Agents specialize in taxation.

Enrolled Agents are the only taxpayer representatives who receive their right to practice from the U.S. government (CPAs and attorneys are licensed by the states). Enrolled Agents are required to abide by the provisions of the Department of Treasury’s Circular 230, which provides the regulations governing the practice of Enrolled Agents before the IRS. NAEA members are also bound by a Code of Ethics and Rules of Professional Conduct of the Association.

Social Media Disclosures

Relationship Disclosure

The Diversify Advisor Network (“DAN”) is a network of affiliated companies. These firms are Diversify Advisory Services (“DAS”), and SEC registered investment advisor & DFPG Investments, LLC (“DFPG”), a registered broker-dealer, Member FINRA/SIPC. Advisory services are offered through investment adviser representatives of DAS. Securities offered through appropriately registered representatives of DFPG. Services are only provided in states where DFPG and DAS are appropriately registered or otherwise have an exemption.

For additional information regarding DAS, you may also refer to the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov.

For additional information regarding DFPG you may also refer to the Broker-Dealer Public Disclosure website at https://brokercheck.finra.org/

Third Party Posts

Third-party posts that appear on this social media site have not been reviewed or approved by DAN or its principals for completeness or accuracy. Additionally, it should be noted the information that has been posted by third-parties does not necessarily reflect the views or opinions of firms covered by Diversify Advisor Network or its representatives.

Not An Offer to Sell nor Solicitation to Buy

The DAN branch company profile is for informational purposes only and its contents constitute neither an offer to sell nor a solicitation of an offer to buy securities, as such an offer can be made only by prospectus. The information on this social media site alone cannot, and should not be used in making investment decisions. Investors should carefully consider the investment objectives, risks, charges and expenses associated with any investment. Investors should consult with their advisors regarding implementation of any portfolio or strategy mentioned on this page.

Past Performance

Past performance of investments is no indication of future results.

Tax And Legal Advice

Information found on this social media site is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific tax issues with a qualified tax advisor and estate planning issues with your attorney. Neither DAN nor the financial professional named in this post offers tax or legal advice.

Direct Messaging Disclosure

DAN is not responsible for content posted by third parties. DAN and third parties acting on its behalf, reserve the right, to the extent permitted under applicable law, to process, retain and monitor all electronic communications (including personally identifiable information). By sending direct messages and/or posting comments, you unequivocally consent to such processing, retention and monitoring.

Commentary

Commentary posted reflects the opinion of the author as of the date of the post and not necessarily that of DAN. Opinions are subject to change at any time and DAN will not update previous opinions when information becomes outdated. Information included is deemed to be from reliable sources, however, DAN will not attempt to validate third party data.