Diversifi Capital
Diversifi Capital is an SEC-registered investment adviser that provides subscription-based financial planning and wealth management exclusively to tech and biotech professionals navigating equity compensation (RSUs, ISOs, NSOs, ESPP), serving 500+ families with $500M+ AUM as of late 2025.
- Company typePrivate
- Founded2015
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Diversifi Capital does
Diversifi Capital LLC is a privately held, SEC-registered investment adviser founded in 2015 and headquartered in Los Altos, California. The firm provides financial planning, wealth management, and covered calls strategies exclusively to tech and biotech professionals whose compensation is dominated by equity — RSUs, ISOs, NSOs, and ESPP — issued by employers including Palantir, Meta, Google, Apple, Anduril, Salesforce, NVIDIA, Netflix, Uber, OpenAI, Databricks, Microsoft, Palo Alto Networks, and Broadcom. The firm segments clients into three tiers (Starter, Core, Plus) based on career stage and complexity, and serves 500+ families with $500M+ in AUM as of December 2025, with 49% of planning clients also investing through the firm.
The core operating model is advisor-led and subscription-based, with monthly recurring financial planning fees plus AUM-based investment management fees and a one-time $500 onboarding fee. Each client receives a live, per-client Google Workbook used for scenario modeling (AMT crossover points, QSBS holding periods, exercise windows, IPO readiness, M&A scenarios) and a Client Resource Center portal hosted on Google Sites with Google Workspace SSO. Onboarding, agreements, and billing are handled through DocuSign, Stripe, and Invoiced. The firm extends its offering through referral partnerships — Valur.io for estate planning, Monarch Money for budgeting, tax-prep partners, and an adjacent subsidiary, DiversiFi Ventures, for private equity access — rather than building these capabilities in-house.
The team of 11-50 includes CEO and Head of Wealth Nathan, Head of Advisory Alfred Au, and advisors Lily, Jared, and Raymond. GTM is primarily organic: content marketing (blog, YouTube, LinkedIn, webinars) targeting SEO queries on equity compensation, plus peer referrals within tech employers. Clients engage through an Asana-hosted intake form, are routed to an advisor tier, and are served via quarterly video meetings and ad-hoc "Brief Touch Base" calls. The firm is registered with the SEC and serves clients in U.S. jurisdictions where it is registered or qualifies for an exemption; no geographic expansion, funding rounds, or M&A activity are disclosed.
Diversifi Capital firmographics
Firmographics- Name
- Diversifi Capital
- Legal name
- DiversiFi Capital LLC
- Website
- https://diversificapital.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Diversifi Capital is an SEC-registered investment adviser that provides subscription-based financial planning and wealth management exclusively to tech and biotech professionals navigating equity compensation (RSUs, ISOs, NSOs, ESPP), serving 500+ families with $500M+ AUM as of late 2025.
- Ownership category
- akta.pro rank
Diversifi Capital industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Portfolio Construction & Asset Allocation Advisory (FSAEAAAC)
Keywords
Where Diversifi Capital is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Diversifi Capital business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Financial Planning Advisory Services: Subscription-based holistic financial planning services covering budgeting, investments, retirement planning, tax strategy, equity compensation, insurance, estate planning, real estate, and education savings. Billed monthly in advance with no set contractual period.
- Wealth Management Services: Investment management for concentrated stock and equity-heavy portfolios, including direct indexing, tax-loss harvesting, and risk management. Integrated with financial planning under the same advisory relationship.
- Onboarding Fee: One-time $500 onboarding fee covering financial workbook establishment, communication setup, and data collection accuracy. Additional hourly billing at $250/hour if services require more time than contracted.
- Managed Estate Planning Services: Referral to partners for trust/wills setup and high net worth tax and estate strategy execution through Valur.io partnership.
- Private Equity Investing via DiversiFi Ventures: Referral to DiversiFi Ventures for private equity investing opportunities for qualified clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Starter — Early-career tech professionals building a financial foundation |
| Subscription | Monthly | Core — Mid-career professionals managing career, family, home, and equity planning |
| Subscription | Monthly | Plus — High-net-worth clients, founders, and senior leaders with concentrated wealth and advanced strategies (GRATs, charitable giving, Puerto Rico relocation, venture investing) |
| One time/ perpetual license | Pay-as-you-go | One-time Onboarding Fee |
| Unit Pricing | Pay-as-you-go | Hourly Billing (for refunds and overages) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Diversifi Capital product offering
Product offeringCore offering
Diversifi Capital is a registered investment adviser that provides subscription-based financial planning, wealth management, and covered-call strategies for tech professionals. The firm specializes in equity compensation planning covering RSUs, ISOs, NSOs, and ESPP, and integrates tax strategy (AMT, QSBS, Safe Harbor, capital gains timing) with investment management under a single advisor relationship.
Product overview
Diversifi Capital is a financial advisory firm specializing in equity compensation planning for tech professionals. The firm offers a unified service model combining Financial Planning, Wealth Management, and Covered Calls strategies. Financial Planning serves as the primary service, incorporating equity-first planning with AMT, QSBS, ISO, and RSU modeling alongside integrated tax and investment strategy. Wealth Management addresses concentrated stock through direct indexing, tax-loss harvesting, and diversification. Covered Calls generate income from concentrated positions while managing tax efficiency. Client access is delivered through a Client Resource Center portal (accessed via Google Workspace SSO) and a personalized Financial Planning Workbook. Additional services include tax preparation, estate planning, and private equity investing through Valur.io partnership and DiversiFi Ventures respectively.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Planning Comprehensive, equity-first financial planning covering budgeting, investments, retirement, tax strategy, equity compensation, insurance, estate planning, real estate, and education savings, billed monthly under Starter, Core, and Plus tiers.
- Wealth Management Investment management for concentrated stock and equity-heavy portfolios, including direct indexing, tax-loss harvesting, diversified portfolio construction, and risk management, integrated with financial planning.
- Covered Calls Income-generation strategy for clients holding concentrated stock positions, designed to work toward diversification while maintaining attention to tax efficiency.
- Client Resource Center Client-facing portal providing ongoing resources, announcements, quarterly digests, passive investment strategies, FAQs, and how-to guides for existing clients.
- Financial Planning Workbook Live, client-specific financial workbook used for data collection and ongoing analysis, accessible through Google Workbooks and shared via Google Drive.
- Estate Planning (Partner Referral) Managed estate planning services, including trust and will setup, offered to clients through partner referrals (Valur.io).
- DiversiFi Ventures (Private Equity Access) Private equity and venture investing opportunities made available to qualified clients through DiversiFi Ventures, including pre-IPO deals and venture fund positions.
Quantifiable outcome
- 500+ families served; $500M+ AUM; 49% of clients invest with the firm (as of December 2025)
- +5 more outcomes
Companies that use Diversifi Capital
Customer profileNamed customers16 records
Segments3 records
Ideal customer profiles3 records
Diversifi Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Diversifi Capital partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- Valur.iominorDiversiFi Capital refers clients to Valur.io for high net worth tax and estate strategy execution. This partnership extends the firm's service capabilities to include advanced estate structuring for high-net-worth clients.
- DiversiFi VenturesminorDiversiFi Capital refers clients to DiversiFi Ventures for private equity investing opportunities, allowing qualified clients to access private market investments including pre-IPO deals and venture fund positions.
- StripeminorStripe is used as the third-party payment gateway for processing client invoices and recurring billing. DiversiFi Capital submits payment information to the Stripe gateway and is charged a fee based on transaction volume.
- InvoicedminorInvoiced is the billing service platform used by DiversiFi Capital for subscription invoicing, payment processing, and account management. The Terms of Service reference invoiced.com as the service platform.
- Google Workspace (Google Suite)coreDiversiFi Capital uses Google Workspace (Gmail credentials) for client authentication to the Client Resource Center (hosted on Google Sites). Financial planning workbooks are built in Google Sheets and documents are shared via Google Drive. The firm notes clients use the same Google credentials as their Financial Planning Workbook to access the portal.
- DocuSigncoreDocuSign is used for the Financial Planning Agreement signature process as part of client onboarding. The agreement is sent through DocuSign after the decision to move forward.
- Monarch MoneyminorDiversiFi Capital recommends Monarch Money as a budgeting platform for clients, aligned with the firm's zero-based budgeting philosophy. The recommendation is editorial and not compensated. Monarch is described as the ideal Mint replacement for tech professionals seeking financial optimization.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Diversifi Capital competitors and assessment
Company assessmentDirect peers
- Facet: Facet is a tech-enabled, flat-fee financial planning and investment firm targeting middle- and upper-middle-income professionals with digitally delivered planning. It is comparable to DiversiFi because both sell subscription financial planning rather than AUM-based advice and target tech-savvy, fee-sensitive clients — though DiversiFi specializes deeper in equity compensation while Facet is broader.
Broad incumbents
- Empower (formerly Personal Capital): Empower is a large, established digital-first wealth manager with dedicated workplace and equity compensation resources serving tech employees. It is comparable to DiversiFi because both serve tech employees with stock-based compensation, but Empower is a scaled incumbent with broader retirement and personal capital offerings, while DiversiFi is a niche specialist.
- Fisher Investments: Fisher Investments is a large, established asset manager offering portfolio management to high-net-worth individuals. It is comparable to DiversiFi because both manage wealth for affluent clients with concentration risk, but Fisher is an AUM-fee manager with a broad, model-portfolio approach while DiversiFi specializes in equity-comp-driven planning.
- Edelman Financial Engines: Edelman Financial Engines is a large national RIA providing wealth management, financial planning, and workplace services. It is comparable to DiversiFi because both provide fiduciary financial planning to corporate employees, but Edelman is broad-based and scaled while DiversiFi is specialized in equity compensation for tech workers.
- Creative Planning: Creative Planning is one of the largest US RIAs offering wealth management, tax, estate, and financial planning services. It is comparable to DiversiFi because both serve affluent clients with integrated planning and investment management, but Creative Planning is a broad, scaled incumbent with a wider product suite than DiversiFi's equity-comp specialty.
- Carson Group: Carson Group is a large RIA support platform serving financial advisors and their clients with comprehensive wealth management. It is comparable to DiversiFi because both operate fiduciary advisory businesses serving households with equity compensation and complex planning needs, but Carson is a multi-advisor ecosystem while DiversiFi is a single specialized firm.
- Morgan Stanley at Work: Morgan Stanley at Work is the workplace wealth arm of Morgan Stanley offering equity compensation planning, stock plan services, and financial wellness to corporate employees. It is comparable to DiversiFi because both serve tech employees navigating RSUs, options, and IPOs, but Morgan Stanley at Work is a scaled, institutionally funded incumbent versus an independent boutique RIA.
Emerging players
- Harness Wealth: Harness Wealth is a tech-focused financial planning network that matches tech employees with vetted financial advisors. It is comparable to DiversiFi because both target tech workers with equity comp needs, but Harness operates a curated advisor marketplace whereas DiversiFi delivers planning directly through its own CFP-certified team.
- Zoe Financial: Zoe Financial is an advisor-matching platform connecting high-earning professionals, including tech employees, with vetted RIAs. It is comparable because both target the same tech-employee demographic with wealth management and financial planning, but Zoe is a marketplace while DiversiFi is a single in-house advisory firm.
- Wealthfront: Wealthfront is a tech-driven automated investment and cash management platform serving tech employees and early-career professionals. It is comparable to DiversiFi because both target tech employees with automated portfolio management including tax-loss harvesting and direct indexing, but Wealthfront is a pure robo-advisor while DiversiFi delivers human-led specialized advice.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Diversifi Capital social profiles
Digital presenceDiversifi Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Diversifi Capital leadership team
Management profileNumber of profiles
Profiles5 records
Diversifi Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Diversifi Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Diversifi Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Diversifi Capital
What does Diversifi Capital do?
Diversifi Capital is a registered investment adviser that provides subscription-based financial planning, wealth management, and covered-call strategies for tech professionals. The firm specializes in equity compensation planning covering RSUs, ISOs, NSOs, and ESPP, and integrates tax strategy (AMT, QSBS, Safe Harbor, capital gains timing) with investment management under a single advisor relationship.
Is Diversifi Capital a public or private company?
Diversifi Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Diversifi Capital founded?
Diversifi Capital was founded in 2015. It employs 11 to 50 people.
Where is Diversifi Capital based?
Diversifi Capital is headquartered in San Francisco, United States, in the North America region.
How does Diversifi Capital make money?
Five revenue lines are on record. Financial Planning Advisory Services are the primary driver. The others are wealth Management Services, onboarding Fee, managed Estate Planning Services and private Equity Investing via DiversiFi Ventures.
Who are Diversifi Capital's main competitors?
Facet is listed as a direct peer. Broad incumbents are Empower (formerly Personal Capital), Fisher Investments, Edelman Financial Engines, Creative Planning, Carson Group and Morgan Stanley at Work. Emerging players are Harness Wealth, Zoe Financial and Wealthfront.
Does Diversifi Capital have an API?
No public API is recorded for Diversifi Capital.
What industry is Diversifi Capital in?
Diversifi Capital's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAEAAAC, Portfolio Construction & Asset Allocation Advisory. Its NAICS code is 523940 and its SIC code is 6282.