Advisor Spotlight: Nathan
A Bit About Nate
Nate is the CEO of DiversiFi Capital and has years of experience in the financial world—specifically having served the tech industry since 2010. Although he currently is not taking on new clients, his leadership and insights are what sets DiversiFi’s advisor team apart from the field.
Nate, tell us a bit about yourself!
“I was born and raised in California, where family has always been at the center of my story. My wife and I welcomed our first child, Hudson, in early 2023 after several years of trying, and becoming parents has been the most joyful and grounding experience of our lives.
Two big influences shaped my path toward becoming a financial planner. The first was my mom. As early as age 12, she taught me how to write a budget, introduced me to Microsoft Money, and encouraged me to start investing during the Dot Com bubble. That early foundation not only gave me a love for planning but also showed me the power of financial confidence.
The second influence has been my passion for sports. While I’m no professional athlete, I’ve always had a nerdy obsession with statistics and fantasy sports. That love of numbers, strategy, and competition translated seamlessly into the world of investing and portfolio management—where the outcomes can be even more impactful.
Today, both as a husband and father and as an advisor, I feel grateful to combine those influences into helping families create financial clarity and freedom, so they too can spend more time on what matters most.”
What does “Financial Wellness” mean to you as an advisor?
“To me, financial wellness isn’t a single destination—it’s a journey with stages of growth.
Stage one is about stability: you’re consistently saving at least 20% of your income, your debt and spending are under control, and you no longer stress about day-to-day expenses or whether you can afford a vacation or personal luxury.
Stage two is about flexibility: your net worth has grown enough that you can afford meaningful time off between jobs without fear. Many clients are nervous about any gap in employment, but I’ve seen how taking a pause can provide clarity and open the door to more intentional career choices.
Stage three is the ultimate stage: freedom. At this point, you’re no longer working for financial necessity—you’re working out of curiosity, passion, or pride. For some, that looks like retirement. For others, it’s continuing to pursue work they love, but from a position of choice rather than obligation.”
Nate, what’s your advice to someone just starting on their financial wellness journey?
“I have two favorites:
First, save early and save often. It’s cliché because it’s true—the power of compounding is one of the most incredible tools you’ll ever have in building wealth. I’ve seen clients in their 30s and early 40s who now get to call the shots with their careers simply because they prioritized saving consistently at a young age.
Second, stay curious. We live in a world where financial technology and strategies evolve quickly. There are fantastic opportunities to grow and optimize your finances, but also plenty of products that can set you back. Even if a strategy isn’t right for you today, learning about it now helps you weave it into your future roadmap. Some examples (from simple to complex) include tax-loss harvesting, direct indexing, donor-advised funds, private markets, tax-exchange funds, CRUTs, and GRATs. The industry is always innovating—curiosity ensures you’re ready to capture those ideas early in your journey.”
What are some of your favorite aspects of working with new clients?
“While I’m not currently taking on new clients, I’ve always been fascinated by cases where someone has more than 50% of their investable assets tied to their employer’s stock.
Sometimes it’s nerves, other times it’s simply inertia—or, during the 2010s, it was fueled by market hype. In these situations, I often see deep psychological barriers we need to work through before building a more diversified portfolio. Our goal isn’t just to reduce risk—it’s to spread client wealth across a broader basket of opportunities instead of betting everything on one horse.
Helping clients overcome those barriers, see the bigger picture, and get excited about new investment opportunities is one of the most rewarding parts of my job.”
Do you have an exciting client success story you can share?
“One story that stands out is a client I’ve worked with since 2010, when I was just starting out. Back then, his stock options were underwater and eventually expired worthless. It was a tough start.
But when his company switched to an RSU plan ([link to blog post]), he stuck it out—and over the last 15 years, that company has grown into one of the top 10 stocks by market cap. Meanwhile, he worked his way up to VP.
I’ve watched his financial journey transform: from conversations about whether buying a $1M home was too much of a stretch, to now owning a $10M+ home in a premier Bay Area city, supporting his partner’s retirement, and taking his family on extended vacations that create lifelong memories.
What makes it even better is that he’s stayed grounded and incredibly grateful throughout it all. Today, most of our discussions focus on how to preserve generational wealth and maximize his philanthropic impact. For me, seeing that evolution—from financial survival to financial legacy—has been a highlight of my career.”
