{
  "crd_number": 171813,
  "slug": "diversified-financial-management-norwell-ma-171813",
  "primary_business_name": "DIVERSIFIED FINANCIAL MANAGEMENT",
  "legal_name": "DIVERSIFIED FINANCIAL MANAGEMENT ASSOCIATES, INC.",
  "dbas": [],
  "city": "Norwell",
  "state": "MA",
  "country": "United States",
  "cbsa_code": "14460",
  "metro": {
    "cbsa_code": "14460",
    "common_name": "Boston",
    "msa_name": "Boston-Cambridge-Newton, MA-NH",
    "path": "/advisors/ma/boston"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2014-06-13",
  "years_registered": 12,
  "period": "2026-10-01",
  "filing_date": "2026-03-13",
  "carried_forward": false,
  "raum_total": 338750827.0,
  "raum_discretionary": 242195099.0,
  "raum_non_discretionary": 96555728.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 5,
  "advisory_employees": 3,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 34101037.0,
      "count": 74
    },
    "pension_profit_sharing": {
      "raum": 14320870.0,
      "count": 5
    },
    "high_net_worth_individuals": {
      "raum": 290328920.0,
      "count": 65
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "MA",
    "NH"
  ],
  "websites": [
    "https://dfmwealth.com",
    "https://facebook.com/DIVERSIFIEDFINANCIALMANAGEMENT",
    "https://linkedin.com/company/diversified-financial-management-inc."
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/171813",
  "city_as_filed": "NORWELL",
  "url": "https://advisorcensus.com/firm/diversified-financial-management-norwell-ma-171813",
  "display_name": "Diversified Financial Management",
  "summary": "Diversified Financial Management is an SEC-registered investment advisory firm in Norwell, MA, registered since 2014, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 13, 2026.",
  "citation": "AdvisorCensus. Diversified Financial Management (CRD 171813): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Selection of other advisers (including private fund managers)",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Diversified Financial Management compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Diversified Financial Management reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "Where is Diversified Financial Management located?",
      "a": "Diversified Financial Management's principal office is in Norwell, MA, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Diversified Financial Management registered with the SEC or a state?",
      "a": "Diversified Financial Management is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 171813."
    },
    {
      "q": "How much does Diversified Financial Management manage?",
      "a": "Diversified Financial Management reports $338,750,827 in regulatory assets under management in its Form ADV filing dated March 13, 2026 (71% discretionary)."
    },
    {
      "q": "How have Diversified Financial Management's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Diversified Financial Management: Regulatory assets under management: $188,782,136 in the October 2021 data and $338,750,827 in the October 2026 data, up 79%. Total employees: 4 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Diversified Financial Management serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (74); high net worth individuals (65); pension and profit sharing plans (but not the plan participants or government pension plans) (5)."
    },
    {
      "q": "Which custodians does Diversified Financial Management use?",
      "a": "Diversified Financial Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Diversified Financial Management report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/171813"
    },
    {
      "q": "What changed in Diversified Financial Management's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Regulatory assets under management went from $302,397,835 to $338,750,827 (+12%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 188782136.0,
      "total_employees": 4,
      "filing_date": "2021-04-26"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 231077646.0,
      "total_employees": 4,
      "filing_date": "2022-03-04"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 227647098.0,
      "total_employees": 4,
      "filing_date": "2023-03-06"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 258977565.0,
      "total_employees": 4,
      "filing_date": "2024-03-15"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 302397835.0,
      "total_employees": 5,
      "filing_date": "2025-03-20"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 338750827.0,
      "total_employees": 5,
      "filing_date": "2026-03-13"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $302,397,835 to $338,750,827 (+12%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 13, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": "$5,000",
    "figures": [
      {
        "label": "Minimum annual fee",
        "statements": [
          "Minimum annual fee: $5,000"
        ],
        "quotes": [
          "Although DFM does not have a minimum account size, the Advisor normally charges a minimum annual fee of $5,000.",
          "Fees are negotiable. In its sole discretion, DFM may charge a lesser advisory fee or waive the $5,000 minimum annual fee based upon certain criteria"
        ]
      }
    ],
    "quotes": [
      "Although DFM does not have a minimum account size, the Advisor normally charges a minimum annual fee of $5,000.",
      "Fees are negotiable. In its sole discretion, DFM may charge a lesser advisory fee or waive the $5,000 minimum annual fee based upon certain criteria"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    },
    {
      "name": "Fidelity Brokerage Services LLC",
      "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/diversified-financial-management-norwell-ma-171813.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 74,
      "fewer_than_5": false,
      "raum": 34101037.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 65,
      "fewer_than_5": false,
      "raum": 290328920.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 5,
      "fewer_than_5": false,
      "raum": 14320870.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/171813",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}