Financial Independence for Business Owners, High-Income Professionals and Retirees

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Divvi Wealth: Modern Solutions for Modern Lives

Divvi Wealth Management offers more than investment advice—it delivers a personalized, strategic partnership built for long-term success. By focusing on each client’s unique goals and values, Divvi helps modern individuals and families plan with purpose, navigate uncertainty, and build a future with confidence.

Decades of Experience. Industry-Leading Credentials. Personal Guidance.

At Divvi Wealth, each of our four partners brings over 20 years of financial experience and holds advanced designations—such as CFA®, CFP®, and EA. This depth of expertise allows us to offer business owners, high earners, and retirees the strategic insight, sound judgment, and personalized care needed to make confident financial decisions.

our credentials:

Who We Work With

Rooted in Kansas City. Serving clients nationwide.

Business Owners

For most business owners, the company is their largest asset and biggest source of risk. We work with owners to address concentrated exposure, navigate complex tax considerations, plan for liquidity around an eventual exit or transition, and develop strategies designed to support both current needs and long-term goals.

High-Income Professionals

Equity compensation, options, and deferred comp create both opportunities and trade-offs. We help professionals evaluate choices, pursue tax-efficient strategies, and build a plan tailored to long-term objectives across retirement, education funding, and risk management.

Retirees & Near-Retirees

Retirement is a new phase of managing wealth. We design income strategies that weigh lifestyle priorities, taxes on withdrawals and Social Security, healthcare considerations, and legacy goals — adjusting as markets and personal circumstances evolve.

Our Process: what to expect

1) Discovery & Alignment

Our first step is a conversation to determine whether working together is the right fit. The goal is mutual understanding of your needs, priorities, and how Divvi Wealth works with clients.

During this meeting, you’ll meet several members of our team. For those accustomed to working with a single advisor, this may feel different, but we believe a team approach provides broader perspective and continuity.

We’ll ask questions to learn about your financial mindset, goals, and concerns. You’ll also hear how we approach financial planning, investment management, and fees.

What this step includes:

A collaborative discussion with multiple Divvi team members
Conversation about your goals and financial mindset
Clear explanation of our services and fee structure
Time for your questions

If both sides feel aligned, we’ll begin the digital onboarding process.

2) Onboarding & Planning

Our planning starts with the essentials — Taxes, Investments, and Retirement — and extends into other areas that often matter most to families: education funding, estate and legacy planning, risk protection, philanthropy, and lifestyle goals like travel or a second home.

This process takes place over a series of meetings. Together we’ll walk through scenarios that highlight trade-offs and options, and we’ll draft a personalized Investment Policy Statement that reflects your objectives and preferences.

When appropriate, we coordinate with your tax preparer, attorney, or other professionals so your broader financial picture stays connected.

What this step includes:

Multiple touchpoints with Divvi team members
Scenario planning to explore different options
A personalized Investment Policy Statement
Coordination with your other trusted professionals, when needed

3) Ongoing Partnership

After onboarding, we schedule progress reviews twice a year, typically in May and October. These reviews help keep your plan current and responsive to changes in markets or in your life.

Our ongoing work centers on implementing your plan with attention to tax efficiency and discipline. Investing can be emotional, and we aim to provide perspective that helps reduce second-guessing while maintaining flexibility to adjust when circumstances change.

What this step includes:

Biannual progress reviews (spring and fall)
Implementation of your agreed-upon plan
Attention to tax efficiency and flexibility
Ongoing support as markets and personal circumstances evolve

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Frequently Asked Questions

The landscape of financial advice has changed dramatically over the last several decades, and some firms and advisors are struggling to keep up. That’s why we formed Divvi. At Divvi, we are focused on client outcomes - not product sales. If your current advisor isn’t a fiduciary, doesn’t work with you on goals based planning and/or doesn’t have a team of professionals in the room dedicated to your success, it might be time to consider a change.
Generally, households with more than $300,000 of annual income and/or $250,000 in investable assets stand to benefit the most from our services. These individuals, families and business owners are met with unique challenges that extend beyond simply managing their investments. Concepts like Tax Planning, Estate Planning and Risk Management are often more critical to their financial success.
Our long-term approach works best with goal-oriented clients who value collaboration and are comfortable delegating day-to-day management to a trusted partner.
Clients who prefer to make their own decisions or who prefer a transactional relationship would likely find more appropriate options elsewhere.
No. The majority of our clients work with us on a fee-basis - we do not earn commissions on products. The maximum annual fee is 1.25% and only goes down from there based on assets managed and other considerations. More importantly, our fees are fully transparent - our clients know what they pay for our services before they start and throughout their relationship with us.
Absolutely. For many of our working clients, their 401(k) plan represents the largest piece of their investment assets. They often prefer we proactively manage those investments alongside their other assets. We have the tools to do this on their behalf.
Some “teams” are nothing more than individual advisors sharing overhead. Not us. We believe client outcomes improve when people with unique perspectives and complementary backgrounds work toward common goals. Most client meetings will involve more than one Divvi team member, all in the name of better client experiences.
At Divvi, our boutique, client-centered approach is directed at ensuring we work toward the best possible strategy for each individual client situation. No one client is the same - and at Divvi we recognize that through careful goals-based planning that helps us understand your unique needs. Our thoughtful advisors, their processes and the supporting technology allow us the freedom to create highly individualized plans and portfolios specifically tailored for each client.