David Levy, CFP®
Diversified, LLC

Portfolio Management

The heart of investment planning isn't asset allocation or rates of return, it's you. At Diversified, we believe every great investment strategy should begin with a clear understanding of your goals, timeframes, and risk tolerance. How well the plans we create allow you to meet your short- and long-term term objectives is a measure of our success, and we take that responsibility seriously. We couple our goals-based investing process with prudent market diversification. This reduces your portfolio risk while maximizing the return on your investments. We put our tax savvy to work for you, too. Understanding how taxes affect your portfolio over the long term is an essential part of delivering the best outcome. A thoughtful tax management process can allow you to keep more of your money now, while enhancing your after-tax returns. Your life is unique and dynamic thus your investment strategies should be the same. There is no one right way to invest. Your life situations are distinctive to you and we know they can change fast. As markets fluctuate and your needs evolve, rest assured our credentialed professionals will be there to make the best adjustments to your portfolio. At Diversified, we apply detailed, ongoing monitoring that allows us to take a proactive approach to your investment strategies as they relate to market trends. When unforeseen economic conditions or sudden life changes occur, we're able to respond quickly and effectively.

Estate Planning & Trusts

You work your whole life to build something enduring. Wouldn't it be wise to ensure maximum value of the estate you leave as testament to your labors? At Diversified, estate planning is much more than just confirming your will is in place and identifying your assets. We work to eliminate the uncertainties and confirm your wishes are honored as you pass your legacy on to future generations. For us, it's about making sure your loved ones are provided for in a way that's meaningful for you and for them. We understand estate planning can be emotionally difficult. Most of us put it off because it forces us to face our own mortality. But, estate planning is a critical part of ensuring your financial well-being and protecting your beneficiaries. It's not just for the very wealthy. After calculating their assets, many people are surprised to find the combined value of their homes, businesses, savings, and investment accounts make them more vulnerable to estate taxes than they realize. In some cases, estate taxes can deplete an astonishing 50% of the total estate. A well-constructed estate plan can provide the liquidity your beneficiaries need to settle your estate taxes, while minimizing their financial burden. By taking the appropriate steps now to develop a sound estate plan, it can provide effective preservation of your wealth to transfer to your heirs. You'll enjoy the satisfaction and peace of mind that comes from knowing you've done all you can to take care of your loved ones.

Financial Planning for Individuals

What comes to mind when you hear the term "financial planning"? Endless hours spent with an advisor discussing complex personal matters? Excruciating financial analyses and restrictive budgeting? If this is your impression of financial planning, we have some good news. We take an entirely different approach at Diversified. We've made the financial planning process simple, painless, and fun. (OK, fun might be a stretch.) But, it s safe to say through our streamlined Lifelong Wealth Planning Process, we'll get where you want to go financially and it won't be a hassle. No two people are alike. No two financial plans should be identical, either. You have unique dreams for yourself and for your family. Your financial plan should reflect them. Our Lifelong Wealth Planning Process allows us to collaborate with you to design a customized plan to achieve your specific goals. That may mean planning for a fulfilling retirement, educating your children (or grandchildren), making the most of your investments, reducing your taxes, and/or a myriad of other important aspects. Whatever your dreams, we'll work together to develop a financial strategy. We'll bring them into focus and deliver a roadmap to get you there. We all know "life" happens. When surprises or changes occur, we're able to swiftly adjust accordingly. We'll make sure of your path to reach your financial destination. The process is simple, yet impactful. You'll end up feeling reassured and confident about your financial future. It doesn't get much more stress-free than that

Portfolio Management

The heart of investment planning isn't asset allocation or rates of return, it's you. At Diversified, we believe every great investment strategy should begin with a clear understanding of your goals, timeframes, and risk tolerance. How well the plans we create allow you to meet your short- and long-term term objectives is a measure of our success, and we take that responsibility seriously. We couple our goals-based investing process with prudent market diversification. This reduces your portfolio risk while maximizing the return on your investments. We put our tax savvy to work for you, too. Understanding how taxes affect your portfolio over the long term is an essential part of delivering the best outcome. A thoughtful tax management process can allow you to keep more of your money now, while enhancing your after-tax returns. Your life is unique and dynamic thus your investment strategies should be the same. There is no one right way to invest. Your life situations are distinctive to you and we know they can change fast. As markets fluctuate and your needs evolve, rest assured our credentialed professionals will be there to make the best adjustments to your portfolio. At Diversified, we apply detailed, ongoing monitoring that allows us to take a proactive approach to your investment strategies as they relate to market trends. When unforeseen economic conditions or sudden life changes occur, we're able to respond quickly and effectively.

Estate Planning & Trusts

You work your whole life to build something enduring. Wouldn't it be wise to ensure maximum value of the estate you leave as testament to your labors? At Diversified, estate planning is much more than just confirming your will is in place and identifying your assets. We work to eliminate the uncertainties and confirm your wishes are honored as you pass your legacy on to future generations. For us, it's about making sure your loved ones are provided for in a way that's meaningful for you and for them. We understand estate planning can be emotionally difficult. Most of us put it off because it forces us to face our own mortality. But, estate planning is a critical part of ensuring your financial well-being and protecting your beneficiaries. It's not just for the very wealthy. After calculating their assets, many people are surprised to find the combined value of their homes, businesses, savings, and investment accounts make them more vulnerable to estate taxes than they realize. In some cases, estate taxes can deplete an astonishing 50% of the total estate. A well-constructed estate plan can provide the liquidity your beneficiaries need to settle your estate taxes, while minimizing their financial burden. By taking the appropriate steps now to develop a sound estate plan, it can provide effective preservation of your wealth to transfer to your heirs. You'll enjoy the satisfaction and peace of mind that comes from knowing you've done all you can to take care of your loved ones.

Financial Planning for Individuals

What comes to mind when you hear the term "financial planning"? Endless hours spent with an advisor discussing complex personal matters? Excruciating financial analyses and restrictive budgeting? If this is your impression of financial planning, we have some good news. We take an entirely different approach at Diversified. We've made the financial planning process simple, painless, and fun. (OK, fun might be a stretch.) But, it s safe to say through our streamlined Lifelong Wealth Planning Process, we'll get where you want to go financially and it won't be a hassle. No two people are alike. No two financial plans should be identical, either. You have unique dreams for yourself and for your family. Your financial plan should reflect them. Our Lifelong Wealth Planning Process allows us to collaborate with you to design a customized plan to achieve your specific goals. That may mean planning for a fulfilling retirement, educating your children (or grandchildren), making the most of your investments, reducing your taxes, and/or a myriad of other important aspects. Whatever your dreams, we'll work together to develop a financial strategy. We'll bring them into focus and deliver a roadmap to get you there. We all know "life" happens. When surprises or changes occur, we're able to swiftly adjust accordingly. We'll make sure of your path to reach your financial destination. The process is simple, yet impactful. You'll end up feeling reassured and confident about your financial future. It doesn't get much more stress-free than that

Financial Planning for Businesses

When it comes to the financial facets of your commercial enterprise, we mean business. As a business owner, your life is complex. There are countless demands on your time. You have multiple priorities and crises that need attention. At Diversified, we understand the significant responsibilities you assume in your leadership position. We work to make the process of protecting your business as hassle-free, efficient, and effective as possible. However large or small your company may be, our customized strategies empower you to take charge of your financial future. We offer valuable services like succession planning, executive compensation, tax planning, group benefits, 401(k) plans, key person insurance, and more. Your continued prosperity is our top priority. At Diversified, we're renowned for our exclusive Lifelong Wealth Planning Process. With the longevity of your organization in mind, we begin by understanding and assessing your commercial goals, then create unique strategies to realize them. Whether youre looking to transition ownership of your company, improve corporate benefits, or strengthen employee loyalty, we can help. Our supportive, seasoned advisors are dedicated to the continued health and prosperity of your firm. Our solutions optimize the entire spectrum of your financial objectives. We know you're busy. It's often challenging to find time to balance your personal financial desires and the goals for your business. That's why our team of experienced professionals will work with you to develop sophisticated financial strategies which integrate your personal needs, as well as those of your organization.

Insurance Planning

Life is filled with unpredictable possibilities and unexpected events. Accidents happen and people get sick. Facing these difficult truths is essential to building a secure financial future for you and your loved ones. Protecting your family by planning for the unforeseen is vital for your peace of mind. At Diversified, we believe your insurance needs are a key component of your overall financial plan. Our team of caring professionals will evaluate your needs and coverage as they relate to your unique situation. We'll identify any inadequacies and recommend the appropriate solutions. These insurances may include disability, long-term care, property/casualty, and health/Medicare, among others. Together, we'll put a plan in place that safeguards your loved ones, protects your nest egg, and eases your mind. A first-rate investment plan is of little value if you suffer a tragedy and aren't prepared for it. To minimize unexpected financial burdens, it's wise to have a risk management plan in place that ensures you're adequately protected on all fronts. What happens if you become seriously ill or are injured? What if you should die unexpectedly? What if you need round-the-clock care as you grow older? Life has a way of changing instantly. The insurance needs you had a decade ago may be dramatically different today. They'll also likely change again in the future. At Diversified, we'll continually review your existing policies to ensure they meet your current needs. So you're always on track, we'll conduct periodic reviews to face life with confidence.

Education Funding & Planning

Saving for college and paying for it are two vastly different things. It's no secret college financial planning is growing more complicated. With higher education costs (now frequently exceeding $60,000 per year), there's a lot on the line and choices can be overwhelming. At Diversified, we're here to help unravel the complexities, allay your concerns, and develop workable solutions to achieve the educational funding you need. Your educational goals and funding philosophy are unique to you. Will your kids take out student loans or work during college? Will they want to attend a public university or private college? Do you want to pay for 100% of tuition or just a portion? Important questions like these help to determine your overall educational budget and how it fits into your financial picture. From there, we'll work with you to craft a plan that ensures your students get the education they need, without raiding your retirement resources. There's a lot more to college financing than the standard 529 plan. A wide range of vehicles exist to ensure you're doing the best you can with your educational funding. We help families like yours prepare for college expenses by determining where tax dollars can be saved efficiently, how much can be afforded, and positioning assets to maximize potential financial aid. Together, we'll create smart, customized plans that take into account your total portfolio, not just what's going into your 529. When it comes to education funding advice, we've done our homework.

Retirement Planning

We all look forward to the day we can retire. It means sleeping in, traveling to exotic destinations, or spending time with loved ones. Whatever your vision of a perfect retirement, you deserve it. You've worked hard to accumulate your assets. Your retirement is the time to sit back and enjoy the fruits of your labor. Regardless of your net worth, retirement (and the years leading up to it) can also raise some concerns. Most people worry about running out of funds during their retirement, or being able to maintain their standard of living in the face of inflation and soaring healthcare costs. At Diversified, we understand those concerns. We re here to alleviate your stress with experienced, holistic planning services which allow you to realize your retirement dreams. As you progress from accumulating and saving to the distribution phase of retirement, the choices you make with your money take on greater significance. At Diversified, it s our job to devise smart ways to make your hard-earned money last longer. Through our Lifelong Wealth Planning Process, we create tailored retirement solutions just as unique as our clients. First, we get to know you and what drives you your passions, your concerns, your interests. Once we have a complete understanding of your specific retirement goals and lifestyle preferences, we ll work with you to bring them to fruition.

Tax Planning & Mitigation

As Benjamin Franklin famously said, "Nothing is certain except death and taxes". No one likes paying taxes. Fortunately, there are a number of strategies to keep Uncle Sam from raiding your wallet. Because the laws surrounding taxes are complicated and change frequently, seeking professional guidance is a smart move. At Diversified, we take tax planning seriously. We even have an in-house CPA with significant expertise in local, state, multi-state, and federal tax regulations to devise cohesive tax-savings strategies to benefit you today and down the road. Tax planning isn't independent from the rest of your financial plan; it's an important element in the overall picture. Strategic tax planning is designed to allow the other components of your financial plan to interact more efficiently by minimizing the tax liability. It also ensures your portfolio is structured in a way that maximizes your tax savings. When you work with Diversified, you ll benefit from the depth of experience we have in helping minimize personal tax obligations. It's a hallmark of our firm and we take great pride in the elite level of strategic tax services we offer. We're able to provide these exceptional tax planning services by leveraging the strength of our years of experience and the added value that comes with having a highly respected CPA on our team. Together, we bridge the divide between the "investment work" and the "tax work" to bring the most comprehensive and effective tax strategies to our clients.