Diversified Financial Management

Diversified Financial Management Associates, Inc., operating as Diversified Financial Management, is an independent, fee-only investment advisory firm established in 1986 and registered with the U.S. Securities and Exchange Commission. The firm offers customized investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and retirement plans. Acting as a fiduciary, the firm upholds a duty of loyalty, fairness, and good faith towards clients, aiming to mitigate conflicts of interest. Diversified Financial Management provides both discretionary and non-discretionary advisory agreements, tailoring portfolios to meet clients' needs. The firm also offers financial planning services, including financial projections, tax analysis, and retirement planning. As of December 31, 2024, the firm manages $302,397,835 in client assets. Fees are structured based on a tiered annual fee schedule and are negotiable, with a minimum annual fee of $5,000. The firm does not charge performance-based fees and does not manage proprietary investment funds. Clients have the right to terminate the advisory agreement at any time without penalty. Diversified Financial Management does not accept custody of client funds except for fee deduction purposes and money movement authorization. The firm exercises investment discretion for client accounts, subject to specified investment objectives and guidelines. Clients retain responsibility for proxy voting decisions. The firm has no adverse financial situations that would impair its ability to meet client obligations.