{"url":"https://nivawealth.com/firms/diversifi-capital-242788","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/242788","regulatoryAum":671426250,"crd":"242788","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6213875","suffix":null,"lastName":"AU","firstName":"ALFRED","middleName":"HO FAI"},{"crd":"5786976","suffix":null,"lastName":"DINGLER","firstName":"NATHAN","middleName":"MICHAEL"},{"crd":"6091298","suffix":null,"lastName":"KURZ","firstName":"BRANDON","middleName":"GEOFFRY"},{"crd":"7284531","suffix":null,"lastName":"La Blue","firstName":"Jared","middleName":"Michael"},{"crd":"7527253","suffix":null,"lastName":"Lowish","firstName":"Thomas","middleName":"Lucius"},{"crd":"6145117","suffix":null,"lastName":"VO","firstName":"RAYMOND","middleName":"MAC"},{"crd":"7154533","suffix":null,"lastName":"Zhang","firstName":"Lily","middleName":null}],"total":7,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-06-22","regulatoryAum":141578000,"clients":147,"employees":8,"offices":1},{"filedOn":"2022-05-19","regulatoryAum":262676900,"clients":190,"employees":9,"offices":1},{"filedOn":"2023-03-20","regulatoryAum":226525600,"clients":203,"employees":9,"offices":1},{"filedOn":"2024-04-16","regulatoryAum":287608800,"clients":213,"employees":12,"offices":1},{"filedOn":"2025-07-25","regulatoryAum":456940000,"clients":257,"employees":13,"offices":1},{"filedOn":"2026-09-17","regulatoryAum":671426250,"clients":277,"employees":13,"offices":1}],"secFileNumber":"801-121391","legalName":"Diversifi Capital Inc","displayName":"DiversiFi Capital","slug":"diversifi-capital-242788","website":"https://diversificapital.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/242788/767f5725474febfc-r1.webp","tone":"light","width":408,"height":200,"sourceUrl":"https://diversificapital.com/","sourceLabel":"Diversifi Capital INC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/diversificapital","founded":"2015","organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"4546 El Camino Real B10, #1013","city":"Los Altos","state":"CA","stateName":"California","country":"United States","postalCode":"94022"},"tradeNames":[],"registration":{"secApproved":"3 June 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2436356.7803030303,"staff":{"employees":13,"advisory":9,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":671426250,"discretionary":671404935,"discretionaryAccounts":964,"nonDiscretionary":21315,"nonDiscretionaryAccounts":2,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":269},"clientTypes":[{"label":"Individuals (other than HNW)","clients":41,"regulatoryAum":18453680},{"label":"High-net-worth individuals","clients":223,"regulatoryAum":624744510},{"label":"Pooled investment vehicles","clients":12,"regulatoryAum":25753630},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":2474430}],"feePrograms":[{"role":"main","program":"Asset-Based Fees for Portfolio Management","feeBasis":"whole_balance","fee_tiers":[{"to":500000,"pct":1.2,"from":50000},{"to":1000000,"pct":1,"from":500000},{"to":5000000,"pct":0.8,"from":1000000},{"to":15000000,"pct":0.6,"from":5000000},{"to":35000000,"pct":0.45,"from":15000000},{"to":null,"pct":0.35,"from":35000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058190","versionId":1058190,"ratePeriod":"annual","fee_billing":null,"submittedOn":"2026-09-17","documentName":"ADV PART 2A- DIVERSIFI CAPITAL INC","fee_rate_low":0.35,"fee_rate_high":1.2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Estate Planning","summary":"A fixed fee of $1,700 (Starter, Core) or $1,500 (Plus), negotiable in some cases and due at the start of the engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058190","versionId":1058190,"submittedOn":"2026-09-17","documentName":"ADV PART 2A- DIVERSIFI CAPITAL INC"},{"role":"other","program":"Financial Planning","summary":"A monthly service-level fee, discounted to $75 to $450 a month for clients with at least $250,000 under management; fixed fees are also offered, negotiable and paid in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058190","versionId":1058190,"submittedOn":"2026-09-17","documentName":"ADV PART 2A- DIVERSIFI CAPITAL INC"},{"role":"other","program":"Tax Exchange Fund","summary":"A one-time fee of 1% of the average share price on the contribution date.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058190","versionId":1058190,"submittedOn":"2026-09-17","documentName":"ADV PART 2A- DIVERSIFI CAPITAL INC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T07:14:24.132974+00:00","documents":[{"name":"ADV PART 2A- DIVERSIFI CAPITAL INC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058190","versionId":1058190,"submittedOn":"2026-09-17"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":635080753}],"custodyNote":"DiversiFi Capital has custody of client assets.","otherCustodians":[],"leadership":[{"name":"Alfred Au","title":"CTO","crd":"6213875"},{"name":"Nathan Dingler","title":"Managing Member","crd":"5786976"},{"name":"Raymond Vo","title":"Member and CCO","crd":"6145117"}],"ownership":[{"label":"Nathan Dingler","detail":"Managing member in the 50% to 75% ownership band and a control person, since May 2015."},{"label":"Raymond Vo","detail":"Member and cco in the 10% to 25% ownership band and a control person, since January 2016."},{"label":"Alfred Au","detail":"Cto in the 10% to 25% ownership band and a control person, since July 2018."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"4546 El Camino Real B10, #1013","city":"Los Altos","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"650-632-5667","stateRegisteredReps":7,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Performance-based fees"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for pooled investment vehicles (other than investment companies)","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":37},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":62},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":22},"sources":{"adv1FilingDate":"17 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/242788/PDF/242788.pdf","brochureDate":"17 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058190","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does DiversiFi Capital have?","answer":"DiversiFi Capital has 277 clients and manages $671 million for them, as of September 2026. They include 223 high-net-worth individuals, 41 individual clients and 12 pooled investment vehicles.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 17 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does DiversiFi Capital offer?","answer":"DiversiFi Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, selecting other managers, educational seminars, education planning, estate planning, insurance, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does DiversiFi Capital charge?","answer":"DiversiFi Capital charges 0.35%–1.20% a year for its Asset-Based Fees for Portfolio Management. The whole portfolio is charged at the rate of its band. The fee is negotiable.","source":"ADV PART 2A- DIVERSIFI CAPITAL INC, filed 17 September 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does DiversiFi Capital use?","answer":"DiversiFi Capital’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $635M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does DiversiFi Capital have?","answer":"DiversiFi Capital has 7 investment adviser representatives registered with state securities authorities, out of 13 employees, and 9 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does DiversiFi Capital invest in?","answer":"At the end of its last fiscal year, DiversiFi Capital’s separately managed accounts held 62% registered funds (mutual funds, ETFs, BDCs), 37% exchange-traded equities, 1% U.S. government and agency bonds and 1% cash and equivalents. It advises 22 private funds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns DiversiFi Capital?","answer":"DiversiFi Capital’s direct owners are Nathan Dingler (50% to 75%), Raymond Vo (10% to 25%) and Alfred Au (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 17 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does DiversiFi Capital get paid?","answer":"DiversiFi Capital is paid through a percentage of assets under management, hourly charges, fixed fees and performance-based fees. Its Form ADV lists no commissions among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact DiversiFi Capital?","answer":"DiversiFi Capital’s main office is at 4546 El Camino Real B10, #1013, Los Altos, CA 94022. Its phone number is 650-632-5667. Its website is diversificapital.com.","source":"Form ADV Part 1A, Item 1.F, filed 17 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}