Diversified Planning Concepts, Inc.

Diversified Planning Concepts provides financial and estate advisory services to individuals and couples—including salaried executives, small business owners, and retirees—and also offers services for pension and profit-sharing plans, trusts, and estates. Services described in the brochure include investment portfolio analysis, retirement projections, tax and estate planning, education funding and brokerage investment advice, followed by an implementation program when clients approve recommendations.

The firm integrates financial planning with portfolio management, using mutual funds, large- and mid-cap equities and fixed-income securities to construct diversified allocations that reflect clients’ goals and risk tolerances; formal written plans are not typically produced and recommendations are reviewed with clients at meetings. Accounts are managed on a non-discretionary basis, meaning transactions are executed only with client authorization, and the adviser emphasizes buy-and-hold stock selections alongside fixed-income allocations driven by interest-rate and economic outlooks.

Notably, the firm’s brochure discloses affiliations with broker-dealers and insurance activities, and some personnel receive commissions and referral fees for non-advisory transactions, arrangements that the firm identifies as potential conflicts of interest. The adviser also does not custody client assets or vote client proxies, leaving custody, execution and proxy voting decisions to clients and their chosen brokerage firms.