At Divergent Planning, we have been serving as financial guides to pre-retirees, mid-career professionals, and government employees since 2010. With an office in Maryland and advisors in Virginia, our Registered Investment Advisory firm provides financial planning and investment management not only in the immediate area of Maryland, Virginia, and Washington DC, but throughout the nation.

We believe that you are best served when your financial advice is objective and your fees are transparent. That is why we embrace our role as NAPFA-registered, fee-only financial advisors.

As fee-only advisors, we do not sell products and do not accept commissions or referral fees. What’s more, our RIA firm has a fiduciary responsibility to put your interests ahead of ours. Our responsibility is not limited to certain services or investment accounts, such as retirement plans. It applies to everything we do for you. Always.

We embrace our fee-only status because it enables us to serve as your financial advocate. Unburdened by conflicts of interest, we can provide unbiased advice meant only to help you reach your goals.

Commission-free
advice

Transparent
fee structure

Fiduciary
responsibility

Your interests
first

No product
sales

No referral
fees

No third-party
commissions

No conflicts
of interest

Our Financial and Investment Services

Budgeting, Risk Management, Retirement Planning, Investment Management, Insurance Analysis
Tax Optimization, Estate Planning, Employee Benefit Analysis, Social Security Analysis, Medicare Analysis Health Care Cost Analysis
kristen@kaleidocreative.com

Lets Chat

Let’s discuss how we can help you navigate change and bring clarity to your financial direction. We offer a complimentary introductory call to discuss your goals and concerns and how we may be able to help.