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Our Investment Process

Your investment team handles the investing, while your dedicated financial planner does the planning
– so you can focus on your goals and happiness.

The Diversified Investment Process

First, we take into account your goals, risk tolerance and timing. Then, we assess your risk/reward scenario and align your goals with what makes you happy.

Goal-Based Investing

First, we take into account your goals, risk tolerance and timing. Then, we assess your risk/reward scenario and align your goals with what makes you happy.
We diversify your money in asset classes and within money managers. We also diversify within active and passive investment solutions.

Diversification

We diversify your money in asset classes and within money managers. We also diversify within active and passive investment solutions.
Taxes are important, and we manage your money to enhance after-tax returns with an integrated tax management coordinator.

Tax Savvy

Taxes are important, and we manage your money to enhance after-tax returns with an integrated tax management coordinator.
The continual re-balance of your accounts to their target allocation, and period risk assessments, ensure that we're tracking your risk and rewards to meet your goals.

Risk & Reward

The continual re-balance of your accounts to their target allocation, and period risk assessments, ensure that we’re tracking your risk and rewards to meet your goals.
We diligently monitor our accounts across thousands of investment options to ensure that you're in the best investments to reach your financial goals.

Constant Monitoring

We diligently monitor our accounts across thousands of investment options to ensure that you’re in the best investments to reach your financial goals.
We're transparent about where your money is, and communicate frequently to educate you on how we manage your assets, and the state of the market in general.

Education & Communication

We’re transparent about where your money is, and communicate frequently to educate you on how we manage your assets, and the state of the market in general.

Investor Behavior

A 2020 Dalbar study found that over a 20 year period, the average investor performed worse than the S&P.

Why?

Because of investor behavior.

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Over-Confidence

The SEC states that over-confidence, or feeling too confident in your investment decisions, is a leading factor in making investment mistakes. Over-confidence also leads to falling for investment schemes, according to the SEC.
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Noise Trading

Noise trading is when investors get hyped up by news and rumors surrounding an investment, and make snap decisions that may not be financially sound. This leads to over-reaction and volatility.
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Under Diversification

According to the SEC, the average investor only holds 3-4 stocks, which is a vastly under diversified portfolio. Having all of your assets in one type or class of stock is a risky move that many investors make.

Behaviors are sourced from the SEC.

How can you fix investor behavior? By hiring an unbiased professional.

Your investments are handled by our investment committee, lead by our CIO, Mike Horwath. Our financial advisors are all CFP®s (certified financial planners) – experts to guide your financial plan. As a company, we’re a registered investment advisor and fiduciary, which means we’re obligated to put your best interest first. We’re held to a high standard by the SEC and state regulatory administrators and we take that responsibility seriously.

Managing your assets on your own leaves you in a risky position. We’re unbiased and won’t make emotional, rash decisions that could result in mistakes. In 2020, Russell Investments reported a value of 5.2% over self-directed investing when you work with an advisor.

Working with an advisor doesn’t just result in a financial plan – the value of advice goes beyond financial planning and includes:

  • asset location
  • rebalancing
  • behavioral coaching
  • spend down strategies
  • product selection
  • tax management
  • risk assessment
  • and all of the services offered as an additional value by Diversified

We Also Provide

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Same-Day Guarantee

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MSG Stamp

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Billpay Services

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Electronic Docu-Sign

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Welcome Aboard Meetings

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Estate Planning

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Notary

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Shredding Services

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Strategic Tax Planning

Visit our Services page for a full list of services.

The Diversified Difference

Are you ready for Lifelong Wealth?

Contact us today for a consultation.

Please note, the information provided on this website is for informational purposes only and investors should determine for themselves whether a particular service or product is suitable for their investment needs. The content on this website is not intended to provide tax, legal, or accounting advice, and you are advised to seek out qualified professionals that provide advice on these issues for your individual circumstances.

Financial planning and Investment advisory services offered through Diversified, LLC. Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Diversified, LLC are not affiliated companies.

Diversified, LLC is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the SEC. Diversified only transacts business in states in which it is properly registered or is excluded or exempted from registration.  A copy of Diversified’s current written disclosure brochure which discusses, among other things, the firm’s business practices, services and fees, is available through the SEC’s website at: www.adviserinfo.sec.gov. Diversified does not provide tax or legal advice and individuals should seek the advice of their own tax or legal advisors for specific information regarding their situations. Investments in securities involve risk, including the possible loss of principal. The information on this website is not a recommendation nor an offer to sell (or solicitation of an offer to buy) securities in the United States or in any other jurisdiction.