diversifiedllc.com

What It Is

Diversified LLC is a U.S. fiduciary financial advisory and wealth management firm with more than 40 years of history. Unlike traditional payment and settlement financial institutions, it focuses on providing comprehensive, lifecycle financial planning for individuals, families, and business owners. Its core approach is to deeply integrate tax strategy with retirement, investment, and estate planning.

Core Dimension Analysis

• Services and Coverage: Offers comprehensive planning across financial, retirement, investment, tax, estate, and executive equity areas. It has physical offices in six states, including Pennsylvania and Delaware, while also serving clients nationwide virtually. It is particularly experienced in handling differences in multi-state tax rules.
• Compliance and Licensing: As an RIA, the firm adheres to the fiduciary standard and is legally required to put clients’ best interests first, avoiding commission-related conflicts. Its team includes professionals with top credentials such as CFP®, CPA, CFA®, and EA, and it has a dedicated in-house tax services department.
• Risk Control Capabilities: Its risk management is mainly reflected in “tax risk control” and “asset preservation.” Through tax-loss harvesting, Roth conversion analysis, capital gains management, and asset location planning, it aims to maximize after-tax returns while avoiding multi-state tax risks.

Pricing

The official website emphasizes a “transparent fee structure” and “fixed fees,” moving away from the traditional commission-driven model. However, it does not publicly disclose specific rates or AUM management fee percentages. Clients need to contact an advisor for a customized quote.

Pros and Cons

• Pros: Fiduciary standard with no commission conflicts; seamless integration of investment management and in-depth tax planning, including in-house CPAs; nationwide multi-state presence and recognition by authoritative rankings such as USA Today.
• Cons: Specific fee standards are not publicly disclosed; services are more geared toward high-net-worth clients and those with complex needs; does not provide payment gateway or fund settlement financial infrastructure services.

Who It’s For

Pre-retirees, corporate executives, business owners, and high-net-worth families needing cross-state tax planning and family wealth transfer planning.

Access from China

The website is a standard U.S. corporate site and can be accessed directly from China without restrictions.