# Diversified Financial Management

> 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.

- CRD: 171813
- Filed as: DIVERSIFIED FINANCIAL MANAGEMENT
- Legal name: Diversified Financial Management Associates, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Norwell, MA
- Filing period: October 2026
- Form ADV filing dated: March 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/171813
- AdvisorCensus page: https://advisorcensus.com/firm/diversified-financial-management-norwell-ma-171813

## Quick answers

**How is Diversified Financial Management compensated?**
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).

**How much does Diversified Financial Management charge?**
Its Form ADV Part 2A brochure dated March 13, 2026 states: Hourly rate: $350 an hour (financial planning). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Diversified Financial Management located?**
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).

**Is Diversified Financial Management registered with the SEC or a state?**
Diversified Financial Management is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 171813.

**How much does Diversified Financial Management manage?**
Diversified Financial Management reports $338,750,827 in regulatory assets under management in its Form ADV filing dated March 13, 2026 (71% discretionary).

**How have Diversified Financial Management's assets and staff changed since 2021?**
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.

**What types of clients does Diversified Financial Management serve?**
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).

**Which custodians does Diversified Financial Management use?**
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.

**Does Diversified Financial Management report any disciplinary disclosures?**
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

**What changed in Diversified Financial Management's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $302,397,835 to $338,750,827 (+12%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 13, 2026)

- Minimum annual fee: $5,000

> 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

- Hourly rate: $350 an hour (financial planning)

> Alternately, fees may be calculated based on an hourly rate of $350.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC

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.

### Regulatory assets under management (Item 5.F)
- Total: $338,750,827
- Discretionary: $242,195,099
- Non-discretionary: $96,555,728

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 74 | $34,101,037 |
| High net worth individuals | 65 | $290,328,920 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 5 | $14,320,870 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2014 (12 years)
- Employees: 5 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MA, NH
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Wellesley Hills, MA

### Websites listed on Form ADV (Item 1.I)
- dfmwealth.com
- Facebook @DIVERSIFIEDFINANCIALMANAGEMENT
- LinkedIn @diversified-financial-management-inc.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $188,782,136 | 4 | April 26, 2021 |
| October 2022 | $231,077,646 | 4 | March 4, 2022 |
| October 2023 | $227,647,098 | 4 | March 6, 2023 |
| October 2024 | $258,977,565 | 4 | March 15, 2024 |
| October 2025 | $302,397,835 | 5 | March 20, 2025 |
| October 2026 | $338,750,827 | 5 | March 13, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $302,397,835 to $338,750,827 (+12%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Diversified Financial Management (CRD 171813): Form ADV filing data as of October 2026.