About
How it Works
Fees
Resources
Contact
Client Login
Get Started

Divergent Planning

About
How it Works
Fees
Resources
Contact
Client Login
Get Started
December 1, 2021
Retirement Planning
Ara Abrahamian, CRPC®
How to Reduce RMD Taxes with a Qualified ...

A qualified charitable distribution (QCD) can help reduce your RMD tax burden and keep you in a lower tax bracket.

Ara Abrahamian, CRPC®
September 2, 2022
Financial Planning

Should You Lease or Buy a Car?

Ara Abrahamian, CRPC®
September 2, 2022
Financial Planning

Here are the pros and cons of leasing vs. buying a car to help you decide.

Tagged: Car Buying, Car Leasing

Ara Abrahamian, CRPC®
August 31, 2022
Market Commentary

Market Commentary: Will the Real International Please Stand Up?

Ara Abrahamian, CRPC®
August 31, 2022
Market Commentary

The S&P 500 has dominated its counterparts for a while now, but ignoring history could be a mistake.

Tagged: S&P 500, Outperformance, Emerging Markets, Developed Foreign Markets, Federal Reserve, Big Tech

Divergent Planning, LLC
August 3, 2022

Divergent Planning Lead Advisor Karly Holland Awarded Nationally Recognized Tax Designation

Divergent Planning, LLC
August 3, 2022

The Institute of Business & Finance has awarded Karly Holland, CFP®, Lead Advisor at Divergent Planning in Bethesda, the Certified Tax Specialist™ designation.

Ara Abrahamian, CRPC®
August 1, 2022
Market Commentary

Market Commentary: Resilient Consumer

Ara Abrahamian, CRPC®
August 1, 2022
Market Commentary

Even though we may in a recession, the average U.S. consumer is still in good shape.

Tagged: CPI, Consumer Price Index, Consumer, Inflation, Recession, Debt

Ara Abrahamian, CRPC®
July 15, 2022
Retirement Planning

The True Cost of Medicare

Ara Abrahamian, CRPC®
July 15, 2022
Retirement Planning

Before you enroll in Medicare, get a handle on what you need. This article can help you understand the different Medicare parts and costs.

Tagged: Medicare Costs, Part A, Part B, Original Medicare, Medicare Advantage, Part C, Part D

Ara Abrahamian, CRPC®
July 5, 2022
Market Commentary

Market Commentary: Is the 60/40 Dead?

Ara Abrahamian, CRPC®
July 5, 2022
Market Commentary

Some analysts have been claiming for years that the 60/40 investment portfolio is dead. Read this article to find out why that isn’t true.

Tagged: Investing, Investment Portfolio, 60/40. Stocks, Bonds, Rebalancing, Allocation, Volatility

Ara Abrahamian, CRPC®
June 27, 2022
Investment Management

I Bonds: Are They Worth It?

Ara Abrahamian, CRPC®
June 27, 2022
Investment Management

The federal government created I bonds so investors could hedge against inflation. Read this article to learn about their pros and cons.

Tagged: Inflation, Interest Rates, Bonds, I Bonds

Ara Abrahamian, CRPC®
May 31, 2022
Market Commentary

Market Commentary: Market Bottom?

Ara Abrahamian, CRPC®
May 31, 2022
Market Commentary

We look at indicators to assess whether a market bottom is near.

Tagged: Volatility, Market Bottom, VIX, Risk Premium, Investor Sentiment, Put Call Ratio

Ara Abrahamian, CRPC®
May 2, 2022
Market Commentary

Market Commentary: Housing Starting to Cool?

Ara Abrahamian, CRPC®
May 2, 2022
Market Commentary

Volatility has been the theme of 2022 except for the housing market. We consider whether that’s changing given the rise in interest rates.

Tagged: Interest Rates, Housing

Ara Abrahamian, CRPC®
April 1, 2022
Market Commentary

Market Commentary: Higher We Go!

Ara Abrahamian, CRPC®
April 1, 2022
Market Commentary

Ultimately, rising interest rates can benefit bonds. Here’s why.

Tagged: Interest Rates, Bonds, Bond Prices, Bond Yields, Federal Reserve

Ara Abrahamian, CRPC®
March 21, 2022
Investment Management

How Stock Markets Historically Respond to Geopolitical Risks

Ara Abrahamian, CRPC®
March 21, 2022
Investment Management

If you’re concerned about the impact of the Russia-Ukraine hostilities on the stock market, read this blog to see what history tells us about geopolitical risks.

Tagged: Stock Market, Russia, Ukraine, Market Correction, Recession, Inflation, Geopolitics, War

Ara Abrahamian, CRPC®
March 14, 2022
Investment Management

The Tax Consequences of Your Kids Trading on Robinhood

Ara Abrahamian, CRPC®
March 14, 2022
Investment Management

Robinhood’s popularity has skyrocketed. If you or family members are using the app, here are some need-to-know tax rules.

Tagged: Robinhood, Taxes, Apps

Ara Abrahamian, CRPC®
March 2, 2022
Market Commentary

Market Commentary: Why the “Safe Haven” of Bonds Turned Volatile

Ara Abrahamian, CRPC®
March 2, 2022
Market Commentary

Bonds, normally considered a haven, have joined the recent market volatility. Here’s what that could mean for investors.

Tagged: Volatility, Bonds

Ara Abrahamian, CRPC®
February 14, 2022
Estate Planning

Understanding the Step-Up in Cost Basis with Your Inheritance

Ara Abrahamian, CRPC®
February 14, 2022
Estate Planning

Whether you are planning to leave an inheritance or you are an heir, you will want to understand the step-up in cost basis.

Tagged: Step-Up in Cost Basis, Inheritance, Capital Gains

Ara Abrahamian, CRPC®
January 31, 2022
Market Commentary

Market Commentary: Holy Volatility!

Ara Abrahamian, CRPC®
January 31, 2022
Market Commentary

January 2022 has been one of the most volatile Januarys in history for the stock market. Here’s why you shouldn’t panic.

Tagged: Market Volatility, Federal Reserve

Ara Abrahamian, CRPC®
January 13, 2022
Retirement Planning

Applying for a Mortgage in Retirement

Ara Abrahamian, CRPC®
January 13, 2022
Retirement Planning

Buying a home as a retiree is different from when you were working. Here’s what you need to know about getting a retirement mortgage.

Tagged: Mortgage, Home Purchase, Retirement Mortgage

Ara Abrahamian, CRPC®
January 3, 2022
Market Commentary

Market Commentary: My "Bold" Stock Market Prediction for 2022

Ara Abrahamian, CRPC®
January 3, 2022
Market Commentary

What is in store for the stock market in 2022? Here’s why you should take any predictions with a grain of salt.

Tagged: 2022, Market Forecast

Ara Abrahamian, CRPC®
December 1, 2021
Retirement Planning

How to Reduce RMD Taxes with a Qualified Charitable Distribution

Ara Abrahamian, CRPC®
December 1, 2021
Retirement Planning

A qualified charitable distribution (QCD) can help reduce your RMD tax burden and keep you in a lower tax bracket.

Tagged: QCD, Qualified Charitable Distribution, RMD, Required Minimum Distribution, Tax Bracket

Ara Abrahamian, CRPC®
November 29, 2021
Market Commentary

Market Commentary: Inflation Worries?

Ara Abrahamian, CRPC®
November 29, 2021
Market Commentary

How concerned should we be about the persistence of inflation?

Tagged: Inflation, Supply Chain

Ara Abrahamian, CRPC®
November 1, 2021
Investment Management

Market Commentary: More Record Highs Ahead?

Ara Abrahamian, CRPC®
November 1, 2021
Investment Management

If more record highs for the markets are ahead, will they inevitably lead to a correction?

Tagged: Stock Market, S&P 500, Market Correction

Newer Posts
Older Posts
Back to Top
Bethesda, MD Location
Divergent Planning, 6701 Democracy Boulevard, Suite 300, Bethesda, MD, 20817, United States240-428-8911

© 2025 Divergent Planning, LLC
6701 Democracy Boulevard, Suite 300, Bethesda, MD 20817 | (240) 428-8911 | info@divergentplanning.com

Divergent Planning, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Divergent Planning, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Divergent Planning, LLC unless a client service agreement is in place.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

Client Relationship Summary

Privacy Policy and Disclosures

Notice of Accessibility