Monrovia, CA Office

Diversified Financial Management Group is an independent registered investment adviser that serves a broad clientele including high‑net‑worth individuals, business owners, and clients nearing or in retirement. The firm provides advisory services mainly by recommending and selecting third‑party professional portfolio managers and also offers insurance and planning solutions such as life insurance, annuities, life settlements for income‑qualified clients, tax‑reduction platforms, estate conservation, long‑term care solutions, retirement income analyses, and college planning.

Rather than directly managing client assets, the firm selects established investment adviser platforms and implements asset‑allocation strategies grounded in Modern Portfolio Theory with an emphasis on preservation of capital before growth; it does not take custody of client assets or exercise discretionary authority. Financial planning is integrated into its services and the firm often implements strategies using no‑transaction‑fee mutual fund and ETF platforms to limit costs and facilitate portfolio adjustments.

Notably, the firm’s principals are licensed insurance producers and the firm accepts commission‑based compensation for insurance and annuity sales, a dual role that the brochure discloses and addresses as a potential conflict of interest. The firm also offers less common alternatives — including life settlement opportunities for qualified clients — and focuses on gaining client access to institutional portfolio managers that might otherwise require high minimums.