DiversiFi Capital LLC - Financial Planning & Investment Education: Recent Episodes
Diversifi Capital, LLC
We’re DiversiFi Capital, a virtual based financial management group that’s reimagining financial advice for a new generation. We know busy people don’t have time for jargon and confusing procedures, and it’s our goal to make financial advice accessible, easy to understand, and dare we say it … fun!
That’s why we place a strong emphasis on simple, straightforward financial education. We believe the better you understand your finances, the more success you will achieve.
Check us out at: https://linktr.ee/diversificapital
Let us coach you on finances and investing
What Do Your Kids Understand About Money? Talk About What's Not Taught in Schools and So Important.
SUBSCRIBE to our channels to get your weekly jargon-free financial market updates and great FINANCE TIPS to help you manage your money.
Learn more about our Financial Planning Services and E-Courses to manage your finances - https://diversificapital.com
As reported by Experian, FRAUD & IDENTITY THEFT happens to 1 in 20 Americans and that number is RISING every year!
Learn what you are protected against and how you can protect yourself.
Get an Identity Protection PIN from the IRS: https://www.irs.gov/identi.../get-an-identity-protection-pin
SUBSCRIBE to our channels to get your weekly jargon-free financial market updates and great FINANCE TIPS to help you manage your money.
Learn more about our Financial Planning Services and E-Courses to manage your finances - https://diversificapital.com
Feeling the Pain of Writing a Check for Your 2020 Taxes? Understand Why and How You Can Fix This for 2021
Listen as we talk about ways to better manage your taxes and end-of-the-year payments for 2021 now.
SUBSCRIBE to our channels (LINK IN BIO) for weekly jargon-free financial news and tips to help you better navigate your finances.
Dfi-nancial Friday - IPOs - What You Need and Want to KNOW!
Confused about your company equity? We got you! Come learn about how to best prepare financially as your company goes public.
Subscribe and join us every Friday @ 3PM PST as we talk about current financial topics and news. Learn more about our financial planning services and e-courses - https://diversificapital.com/about
Listen as we talk about how to prepare financially and mentally to buy a home. We will be talking from our financial planning perspective and will be joined by Alan Canas, from the Canas Realty Team, a top-producing real estate team in the Silicon Valley SF Bay Area.
Dfi-nancial Fridays - Biden's Proposed Tax Changes - What Do They Mean for YOU?
JOIN DiversiFi Capital this Friday as they talk about this week's top financial news and markets, as well hot topics that have us all wondering!
SUBSCRIBE to the weekly show every Friday at 4PM PST. YOU WON'T WANT TO MISS THIS INFORMATIVE CONTENT.
WFH - Tax Deductions for Self-Employed and W2 Employees
JOIN Dfi-nancial as we tackle this hot topic given most people working from home now.
BRING US your questions and give advice LIVE on the SHOW SUBSCRIBE to learn more about financial topics you have always wondered about.
Let's talk IPOs and what they mean for companies and their employees.
For even more detailed information about IPOs, check out this webinar, IPO - Things to Consider When Your Company Goes Public: https://youtu.be/u2AtIpEa48c
LIFE INSURANCE Explained - Work Policy vs. Private? Term vs. Permanent? ALL YOU NEED TO KNOW
Join Friday @ 3PM PST and bring your questions as we answer all the questions we get from our clients.
DON'T Forget to BUY our 2021 Annual Financial Planner on Amazon: https://bit.ly/DfiAnnualPlanner
Also, check out Dfi-nancial Bootcamps classes: https://learn.diversificapital.com
Learn the basics of stock trading and what the BEST order type is to use when trading.
Bring us your questions. SUBSCRIBE to get our weekly financial tips.
DON'T Forget to BUY our 2021 Annual Financial Planner on Amazon:
https://bit.ly/DfiAnnualPlanner
Also, check out Dfi-nancial Bootcamps classes: https://learn.diversificapital.com
Mortgage % Rates are Rising! Should I Refinance Now? Should I Pay Up Front Costs? Listen as we talk through these questions and provide some good information. Bring us your questions. SUBSCRIBE to get our weekly financial tips.
DON'T Forget to BUY our 2021 Annual Financial Planner on Amazon: https://bit.ly/DfiAnnualPlanner
Also, check out Dfi-nancial Bootcamps classes: https://learn.diversificapital.com
Let's Talk About the Financial Market and Stock Trading Basics & Shorting
Dfi-nancial Friday! Let's Talk About the Crazy Financial Market, Stock Trading Basics & Shorting
LEARN about stock trading basics and shorting stock.
Articles mentioned:
Robinhood - https://robinhood.com/us/en/support/articles/options-knowledge-center/
Investopia - https://www.investopedia.com/options-basics-tutorial-4583012
Bring us your questions. SUBSCRIBE to get our weekly financial tips.
DON'T Forget to BUY our 2021 Annual Financial Planner on Amazon:
https://bit.ly/DfiAnnualPlanner
Also, check out Dfi-nancial Bootcamps classes: https://learn.diversificapital.com
Understanding Cost Basis & Common Tax Mistakes
JOIN US on Dfi-nancial Friday as we talk about this week's financial news and cover a trending topic - Understanding Cost Basis & Common Tax Basis.
Bring us your questions live! SUBSCRIBE to get our weekly financial tips.
DON'T Forget to BUY on 2021 Annual Financial Planner on Amazon: https://bit.ly/DfiAnnualPlanner
ALSO, check out Dfi-nancial Bootcamps classes: https://learn.diversificapital.com/
We recap this week's financial news, jargon-free of course, and talk about the trending topic of REIT's - Traded Real Estate.
Thinking of Moving to Denver? Learn More about Lifestyle, Real Estate, and Cost-of-Living
People now have a lot more freedom to work remotely and live wherever they choose. The Wall Street Journal reports that 38% of people relocating from other states are going to CO for many amazing reasons.
If you are interested in moving to a different state with CO being on your list, please listen to this informative webinar to answer the questions you've been wondering about relating to the current housing market in Denver and how it would be to live there.
We discussed the following topics:
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The Denver Lifestyle - All Seasons
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Real Estate Prices, Neighborhoods & Schools
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Businesses Moving to Denver - What Does That Mean for Growth
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Cost of Living - Affordability
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Mortgage Options
Submit Questions: Please feel free to submit your questions here and we will respond.
Disclosures:
DIVERSIFI CAPITAL LLC (“FIRM”) is a registered investment adviser located in CA. DIVERSIFI CAPITAL LLC may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.
This presentation is limited to the dissemination of general information regarding DIVERSIFI CAPITAL LLC’s financial planning and/or investment advisory services. Accordingly, the information in this presentation should not be construed, in any manner whatsoever, as a substitute for personalized individual advice from DIVERSIFI CAPITAL LLC. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.
Start growing your savings - Tips on getting cash invested and platforms to use. Learn more about how to invest here: https://fb.watch/3b4HQE19Ff/
Check out our Financial Bootcamps to learn more on targeted financial planning topics: https://diversificapital.com/educationandstrategy
Buy our Dfi 2021 Annual Financial Planner on Amazon -https://bit.ly/DfiAnnualPlanner
CREDIT SCORES - Understanding The Do’s and Don’ts
Join us as we talk about:
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What is my credit score and how to find out?
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How are they evaluated?
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The Do’s and Don’ts that can decrease/increase your credit score
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Freezing credit score
Buy our Dfi 2021 Annual Financial Planner at https://bit.ly/DfiAnnualPlanner
Dfi-nancial Fridays! STUDENT LOANS - Everything you need and want to know. We are joined by Miguel Andrada of Eagle Lending/First Republic Bank to answer questions.
Miguel Andrada
Eagle Lending
First Republic Bank
1155 California Dr., Ste. D | Burlingame, CA 94010
Office: (650) 762-3616 | Mobile: (650) 455-3784 | Email: mandrada@firstrepublic.com
NMLS ID: 897788
PROP 19 - Understanding the Basics Behind It and Who it Will Affect.
We will also be discussing changes you need to think about before the Feb. 16th deadline. Bring us your questions!
We have Mary Louung, Estate Lawyer joining us to answer questions about Prop 19.
Mary Loung
E: hello@lounglaw.com
P: 415-997-8778
W: www.lounglaw.com
Budgeting Tips and Tools to Get You Ahead in 2021. Learn the tools and tips to help you get a jump start in 2021 to meet your financial goals!
Announcement from Dfi! We just developed and launched our new 2021 Dfi Annual Financial Day Planner and Complimentary online budget course on Amazon (the link to buy is in the post). This planner was designed by us to help you:
SET & ACHIEVE FINANCIAL GOALS: Organize your finances and take back control of your money with this 2021 finance planner journal and associated e-course that will guide you every step of the way.
It's more than just a monthly budget planner or bill calendar, this comprehensive financial planner covers savings, debts, investments, taxes, insurance, real estate, and more with clear and simple strategies. BUY NOW on AMAZON at https://amzn.to/2VysG6n
JOIN US as we recap this week's financial markets in a jargon-free way and also talk about estate planning basics - what you need to know and be asking.
Dfi-nancial Fridays - Learn How to Invest in Times Like This
There is obviously a lot going on in the world and it makes it challenging to know how to invest. Join us this Friday as we talk about this hot financial topic and help guide you in making your investment choices.
Let's talk about the mortgage industry - interest rates, regulations, fees for refi's, etc. We will be joined by industry veteran, Nikki James, Mortgage Advisor NMLS 293138 from Opes Advisors, a division of Flagstar Bank. Bring us your questions!
With the election less than a week away, COVID numbers climbing, a potential European recession....there is a LOT to talk about.
We will also cover the topic of evaluating your benefit choices for next year.
Also, JOIN US LIVE on Facebook and YouTube every Friday at 3 PM PST and ask questions.
Dfi-nancial Fridays! HOT Topic: RELOCATING and WFH? What are the things you need to consider?
JOIN US as we will be recapping and summarizing the financial events of the week, clarifying in a "Jargon Free" way what it all really means, and answering audience questions.
In addition, we will cover the HOT topic of, RELOCATING and WFH? Tech companies are starting to let their employees work from anywhere — as long as they take a lower salary. Also, Most Tech Workers Can’t Afford to Buy a Home in San Francisco or Seattle - Blind Blog - Workplace Insights (see article links below).
What does it all mean?
We look forward to seeing you and answering your questions!
https://www.businessinsider.com/tech-companies-cutting...
https://www.teamblind.com/.../most-tech-workers-cant.../
DFI-NANCIAL Fridays! We are excited to launch our new show every Friday.
JOIN US as we will be recapping and summarizing the financial events of the week, clarifying in a "Jargon Free" way what it all really means, and answering audience questions.
In addition, we will cover specific financial topics and tips as well as having special guests.
This week we will open our show by discussing, the extremely financially challenging year for so many individuals and families in 2020. We will help bring to light how the services of a financial planner can be helpful in working through many of your decision points and helping you avoid panicked decisions that may turn out to be even more costly down the line.
MYTH: I should only invest in the FAANG stocks. We bust the myth about investing in these stocks!
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FAANG stocks represent 18% of the S&P 500.
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Only 2 of the 5 FAANG stocks ranked in the top 20 best-performing stocks over the last decade.
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FAANG stocks have all experienced periods of high volatility which may cause nervous investors to panic sell and realize losses, so they aren’t appropriate for all risk tolerances or time horizons.
Myth: The American Financial Dream is Equally Available to All
Learn more here about our commitment to be the change we all want to see: https://diversificapital.com/about
Credit cards can have their positives and negatives. Make sure to watch last Friday's MMBs here on YouTube where we talked about credit cards and provided some very helpful tips and advice!
529 Plan Funds - I should use all 529 funding right away for college
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Have your child make a plan on how to fund their college expenses before coming to the bank of Mom & Dad.
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Be aware of the EFC formula and which family members count for income and assets.
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If you have 529 funding from grandparents, consider using it in the back half of your child’s undergraduate educational years.
Myth: As a business owner, spending money means I get to lower my taxes right?
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Only a portion of the total expense is returned and not dollar for dollar.
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Spend based upon what makes sense to run your business and do not spend more purely to get the deduction.
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It is not as complex as people think to start a side business as a sole proprietor, does not always need to be an LLC.
Money Myth Busters: Myth: Interest rates are SO LOW, so I should refinance, RIGHT?
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Lower interest and lower payments don’t always equal savings if you’re resetting the payoff clock.
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Points aren’t always a bad thing if they buy you a big enough rate discount.
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If you’re refinancing just prior to moving, watch out for lender enforced owner-occupancy requirements.
Renting vs. Buy - I'm wasting money by paying someone else's mortgage. See the key points in our post. Make sure you know your sunk costs as you evaluate Renting vs. Buying.
Money Mythbusters - Bonus Income is Taxed at a Higher Rate?
On a weekly basis, we dispel and talk through money myths. JOIN US every Friday at 4 PM on our FB page as we go LIVE! Bonus Income, is it really taxed at a higher rate? We dispel myths around bonus income and answer your questions.
We will dispell the myths about Restricted Stock Units (RSU) income and how it is taxed, as well as share tips on how to optimize it for your financial needs.