Clicky

 

Who We Serve

We work with a wide array of professions and financial circumstances. As dedicated, highly trained CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals, our team specializes in working with:

Self-employed Professionals who are their own masters, which makes them responsible for every aspect of their professional lives—from marketing, to business development, to job production. At Diversified Asset Management, we serve as the CFO for the “company of one,” manage every aspect of finance, including personal asset and wealth management, cash flow planning, defined benefit and Single 401(k) plan strategies, and tax planning.

Corporate executives who juggle demanding schedules and a plethora of responsibilities. This means they often do not have the time or desire to manage their own finances. At Diversified Asset Management, we help by managing the creation and day-to-day maintenance of our clients’ wealth management plans.

Small business owners who place an incredible amount of time, energy, and resources into driving the success of their own businesses. As a result, they have little time to actively manage their own personal resources. At Diversified Asset Management, we help successful business owners with the personal and business aspects of wealth management, including retirement plan consulting, tax mitigation, cash flow planning, estate planning, and long-term wealth management for both business and family assets. 

Retirees who have accumulated wealth and are now concerned with preserving their wealth and making their money last. At Diversified Asset Management, we help retirees with personal asset and wealth management by determining the appropriate investment mix and by implementing tax efficient withdrawal strategies.

Young Professionals who are extremely busy and are often focused on the balance of growing their wealth with the demands of starting a family. At Diversified Asset Management, we understand that young professionals often don’t have the time necessary to spend learning about investments and wealth management so they typically have concerns about making the right decisions. We help young professionals who are committed to financial success.

Hiking 2_preview.jpg

"How do I create my retirement paycheck?"

For many of our clients, managing the transition into retirement is a key concern—whether that transition is months or years in the future.

We want to make sure we help you feel understood and provide clarity through this process of choosing a financial planner to transition from working to retirement.

From managing current assets, to helping select and implement appropriate investment vehicles or creating retirement “paychecks,” we serve as our clients’ Chief Financial Officer, removing the burden of day-to-day asset management from the “to-do” list.

Our goal is that our clients have the freedom to focus on managing their careers, running their businesses, or enjoying their well-earned retirement. 

Family 2_preview.jpg

Our Investment Philosophy

Our approach to investing is evidence-based and we use Dimensional mutual funds to help clients achieve their financial goals. Dimensional provides low cost institutional and socially responsible funds.

What is an evidence-based investment philosophy?

  • We understand near-term market swings are unpredictable; and we ignore the “noise.”

  • Time is on our clients’ side. A well thought-out plan needs time to grow.

  • Our investment philosophy is guided by peer-reviewed academic inquiry (for “steady as she goes” resolve).

  • We define success for our clients as being able to comfortably fund their personal financial goals.

  • We manage market risk factors (and their expected returns) and diversify away concentrated risks.

  • Costs are among the biggest drags on returns. We focus on minimizing the number of trades and maximizing after-tax returns.

  • We participate in the market to earn expected long-term returns according to time-tested academic evidence, personal goals and individual risk tolerances.

  • Our investment philosophy is supported by a long-term perspective using a diversified portfolio of low-cost, asset class-specific funds that are tilted toward small and value stocks from Dimensional. We use bond funds to buffer the volatility in each portfolio. The specific allocation between stocks and bonds depends on the goals and the risk tolerance of each client.

As one of the select firms in the country approved by Dimensional to use their evidence based investment funds, we are able to offer access to these exclusive funds.

Better than index funds, Dimensional’s evidence based investment funds have been proven to capture the pure return of each asset class while maintaining low costs and managing style drift.

house2.jpg

Asset & Wealth Management Services

  • Business planning

  • Cash flow analysis

  • College funding

  • Estate planning

  • Executive benefits planning

  • Investment management

  • Insurance Planning

  • Portfolio management

  • Risk management

  • Retirement income advice

  • Retirement planning

  • Stock options

  • Tax management and planning

  • 401(k) advice and management

At Diversified Asset Management, Inc., our fee-only wealth management and financial planning services are designed to address the complex financial needs of successful individuals, families, and business owners—including retirement plan consulting services for those offering compliant 401(k), 403(b), defined benefit and cash balance plans for their employees. To find out more download our Diversified Asset Management 401(k) services brochure, defined benefit white paper or our cash balance plan white paper.

sunset couple.jpg

Transition Into Retirement

For many of our clients, managing the transition into retirement is a key concern—whether that transition is months or years in the future.

From managing current assets, to helping select and implement appropriate investment vehicles, to creating retirement “paychecks,” we serve as our clients’ Chief Financial Officer, removing the burden of day-to-day asset management from the “to-do” list. Our goal is that our clients have the freedom to focus on managing their careers, running their businesses, or enjoying their well-earned retirement.

Using our advanced planning process, we work with each client to carefully evaluate his or her goals, values, personal relationships, existing advisors, and any other factors that may influence the individual’s financial life.

Based on this profile, we work together to create and implement a comprehensive wealth management plan with a focus on mitigating taxes and protecting assets.

Retirement Plan Consulting

Our retirement plan consulting services are designed to help plan sponsors at small to mid-size businesses select, implement, monitor, and manage effective 401(k) and 403(b) savings and retirement plans that are geared towards providing optimal benefits to your employees while seeking to protect you from fiduciary and regulatory risk.

We also can provide the education your employees need to help them make the best possible decisions concerning their retirement accounts.

Our combined team can help protect you from risk by serving as a legal advocate for the plan and your company, coordinating with your plan custodian and record keeper/CPA to:

  • Set up and convert your plan(s)

  • Draft an effective Investment Policy Statement (IPS)

  • Select appropriate investments and asset allocation for your plan

  • Organize group enrollment/education meetings for plan participants

  • Monitor investment performance and recommend changes when needed

  • Meet regularly with the plan sponsor and provide written fund monitoring information

  • Promote compliance with Department of Labor plan-related standards