Diversified Financial Management

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Client assets under management

$324,429,957

Clients

139

47% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$2,334,028

About

Diversified Financial Management is an independent, fee‑only SEC-registered investment advisor that serves individuals (including high‑net‑worth clients), trusts, estates, businesses, and retirement plans. As of December 31, 2025, the firm manages about $338.8 million for roughly 139 clients and provides portfolio management, financial planning, and retirement plan advisory services.

The firm builds customized, diversified portfolios using mutual funds, ETFs, individual equities, fixed income, and access to alternative investments, and it manages accounts on both discretionary and non‑discretionary bases with quarterly performance reviews. DFM takes a holistic approach—considering tax, estate, and retirement needs—and may incorporate liquidity solutions such as non‑purpose margin borrowings and pledged‑asset lines of credit secured by client accounts as part of its planning and implementation.

Noteworthy among peers, DFM explicitly offers and documents the use of borrowing against separately managed accounts and routinely provides educational seminars and participant presentations for retirement plans, practices that are uncommon for supported firms. The firm also evaluates and, when appropriate, recommends outside independent managers and discloses related conflicts and fiduciary responsibilities in its advisory relationships.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Options & derivatives strategies Private / alternative investments Real estate investing Active portfolio management College savings (529s, UTMA, etc.)

Fee options

Fixed

Fixed financial planning fees based on complexity and scope

Percentage

$0 - $1,000,000: 1.00% $1,000,000 - $3,000,000: 0.90% $3,000,000 - $5,000,000: 0.75% $5,000,000+: 0.50%

Project-based

Hourly rate of $350 for financial planning services

Other

Minimum fee: Minimum annual fee of $5,000, negotiable or waivable Fee-only: Fee-only investment advisory services

Main office location

Diversified Financial Management

80 Washington Street, Building E 13

Norwell MA 02061-1729, United States

Number of offices

Most active in

Florida · Massachusetts · New Hampshire

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website 781-792-0440

Advisors at this firm

Mark E

Series 63, Series 66

Norwell, MA

Diversified Financial Management

Mark Everett is a financial advisor with Diversified Financial Management in Norwell, MA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Diversified Financial Management since 2015. Diversified Financial Management is an independent, fee-only SEC-registered adviser serving individuals, trusts, businesses, and retirement plans. The firm offers customized portfolio management and financial planning with a holistic, tax-aware approach, incorporating both quantitative and fundamental analysis.

Options & derivatives strategies Private / alternative investments Real estate investing Active portfolio management College savings (529s, UTMA, etc.)

Bradford C

CFA®, Series 66

Norwell, MA

Diversified Financial Management

Bradford Cadigan is a CFA® charterholder with nine years of industry experience. He is currently with Diversified Financial Management Associates, Inc., where he has worked since 2025. Prior to this, he was with Columbia Threadneedle Investments for eight years and Eaton Vance Management for one year. Diversified Financial Management is an independent, fee-only SEC-registered adviser serving individuals, trusts, businesses, and retirement plans. The firm offers customized portfolio management and financial planning with a tax-aware approach, incorporating both quantitative and fundamental analysis.

Options & derivatives strategies Private / alternative investments Real estate investing Active portfolio management College savings (529s, UTMA, etc.)

Henry P

CFA®

Norwell, MA

Diversified Financial Management

Henry Place Jr. is a CFA® charterholder with 15 years of industry experience. He has been with Diversified Financial Management since 2014. Diversified Financial Management is an independent, fee-only SEC-registered adviser serving individuals, trusts, businesses, and retirement plans. The firm offers customized portfolio management and financial planning, employing both quantitative and fundamental analysis with a tax-aware approach.

Options & derivatives strategies Private / alternative investments Real estate investing Active portfolio management College savings (529s, UTMA, etc.)

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