Diversify Wealth Management

The firm emphasizes post-liquidity portfolio construction for clients who have experienced concentrated wealth events. The approach centers on managing single-stock risk through hedging and structured sales, deploying proceeds into globally diversified portfolios using direct indexing for tax efficiency, and layering in private market allocations where illiquidity premiums align with multi-generational time horizons. The philosophy reflects the practical reality that for many Utah-based founders, the primary investment challenge is not finding the next unicorn but preserving and deploying capital generated from the last one.

Concentrated position management forms a core competency. The firm typically deploys a combination of options-based hedging strategies, Rule 10b5-1 trading plans for corporate insiders, and exchange funds where appropriate to diversify single-stock exposure without triggering immediate taxable events. This technical work is coordinated with clients' existing tax advisors and estate attorneys, reflecting the firm's view that concentrated-stock strategy is an integrated wealth-management problem, not a standalone trade.

While the firm is headquartered in Orem and deeply embedded in the Intermountain West's wealth ecosystem, its client base extends to families with ties to the region who may now reside elsewhere. The practice's strength is the combination of local fiduciary presence — in-person trustee meetings, coordination with regional professional advisors — with the remote-service capabilities standard across modern RIAs.

Diversify operates under a fee-only fiduciary model, charging a percentage of assets under management rather than earning commissions on product sales. This structure aligns the firm's incentives with portfolio performance and asset growth rather than transaction volume. Specific fee schedules are disclosed in client advisory agreements and are typically tiered based on account size and service complexity.

The practice focuses on families with complex balance sheets — technology founders post-exit, healthcare entrepreneurs, senior corporate executives with concentrated equity compensation, and multi-generational families managing inherited wealth. The common thread is a need for coordinated investment management, tax strategy, estate planning, and family governance that exceeds the scope of a typical brokerage relationship.

Philanthropic structuring is a component of the firm's family-office service model. This typically involves advising on donor-advised funds, private foundations, and charitable trust vehicles in coordination with local community foundations and tax counsel. The work is integrated into broader estate and tax planning rather than operating as a standalone philanthropic advisory practice.

Diversify Wealth Management operates as a registered investment advisor (RIA), regulated by the U.S. Securities and Exchange Commission or applicable state securities regulator. As an RIA, the firm owes a fiduciary duty to its clients, meaning it is legally obligated to act in their best interests in all advisory matters.