Wealth Management Services

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Divergence Wealth Management provides independent fiduciary planning and investment management through a transparent flat-fee structure designed to align advice with client needs, not portfolio size. 

Services are tailored to the unique needs of each client and may include ongoing financial planning, investment management, retirement planning, tax-efficient strategies, and business owner planning. 

• Retirement planning 
• Cash flow & budgeting 
• Education planning 
• Tax-aware strategies 
• Estate & beneficiary coordination

• Portfolio construction 
• ETF & equity allocation 
• Risk management
• Tax aware investment strategies 
• Ongoing portfolio monitoring 
• Rebalancing 

• Cash flow management 
• Retirement plan considerations 
• Tax coordination 
• Succession considerations 
• Liquidity planning 

Divergence Wealth Management operates on a transparent flat-fee model rather than traditional percentage-based AUM fees.

This structure is designed to reduce conflicts of interest while providing ongoing financial guidance, investment management, and planning tailored to each client’s needs.

Fees vary based on complexity, scope of planning, and level of ongoing service. Prospective clients are encouraged to schedule a consultation to determine whether the firm is an appropriate fit.