Starter Tier
For tech professionals just getting started, Starter is designed to help early-career professionals build a clearer picture of their financial life.
For Early-in-Career Tech Professionals
This profile is illustrative. Starter may be appropriate for a range of clients — speak with an advisor to determine fit.
Getting started with money can feel overwhelming. Paychecks, taxes, saving, investing are a lot to navigate.
Starter is built for early-career professionals who are earning more, saving more, and realizing their financial life is getting more complex. You may have RSUs, a 401(k), stock options, or simply a growing sense that 'winging it' isn't a strategy. This tier is designed to help you work toward a financial foundation that can support more complex planning as your income, equity, and life evolve.
Do you find yourself wondering?
- ? Do I truly understand how RSUs & ESPP work, or am I just hoping they turn into something valuable?
- ? What’s my plan for when my shares vest? What do I do if my company’s stock price rises or falls significantly?
- ? If a significant expense were to arise next month, would I know instantly if I could cover it?
- ? Without a tracking system or cash flow plan, am I overspending or under-saving without realizing it?
- ? Do I know where to put my cash after I’ve built an emergency fund?
- ? Am I saving with a clear destination, or just hoping my savings add up someday?
- ? Am I confident in how much house I can afford while keeping my current lifestyle?
If so, Starter might be the right fit!
- ✓ Get a Clear Financial Picture – Start with a Net Worth Snapshot to understand what you have, where it is, and how it’s working for you. Gain clarity on how money flows through your life—income, spending, taxes, and savings.
- ✓ Build a Cash Flow Plan – Create a system for saving, spending, and investing that fits your lifestyle. Learn how to stay liquid, build the right cash buffers, and avoid lifestyle creep.
- ✓ Invest Intentionally – Learn how markets work and how to deploy excess cash or equity compensation (like 401(k)s and RSUs) into a diversified long-term plan that aligns with your goals.
- ✓ Protect What Matters – Review your insurance and emergency reserves to help ensure your financial safety net is in place as your life evolves.
- ✓ Plan and Act with Confidence – Receive behavior-based coaching and logical, step-by-step guidance to help you make smart decisions for future milestones like buying a home or starting a family.
Work toward a financial foundation that supports more advanced planning over time.
Our Starter clients are focused on tackling the first two tiers of our investment waterfall to create stability and systematic approaches that will stick.
✓ Build protections from downside by building a 3-6 month cash buffer. Establish a budget, set savings targets, and determine not only how much cash to set aside, but also where and how to save it.
✓ Establish your core portfolio of investments, whether you’re a DIY investor or want to leave management to a professional.
At the Starter level, we prioritize ensuring you have a solid foundation that can support more advanced strategies like trusts, tax-loss harvesting, angel investing, or legacy planning.
Your Subscription Evolves With You
We’ll keep checking in, but Starter clients typically move to our Core tier when:
Your income crosses $250K or your net worth nears $1M
You start planning to buy a home
You get married or begin dual-income planning
You receive stock options or experience your first liquidity event
You want deeper tax planning, estate complexity, or to invest in real estate or private markets
You want more in-depth financial modeling to assess different choices and their impact on retirement.
Growing Together: Anna & Steve’s Equity Compensation Journey Through the Milestones
See how Anna & Steve’s equity compensation journey evolved through their different milestones, and how their Advisor’s advice evolved with them at different stages of life.
This testimonial was given by a current client of DiversiFi Capital LLC, and it is not representative of all client experiences. No cash or compensation was given for or to elicit this testimonial.