Concierge Wealth Services
Concierge Wealth Services is Diversified Insurance Brokers’ structured introduction program for accredited investors and otherwise qualified individuals who want to explore wealth planning frameworks that go beyond traditional insurance and annuity solutions. The program provides a private pathway to engage with an independent, SEC-registered investment adviser partner who works with clients whose financial situations have reached a level of complexity that benefits from institutional-grade portfolio analysis, disciplined risk management frameworks, and access to investment categories typically reserved for ultra-high-net-worth families and institutions. This is an educational and introductory experience — not an offer of securities, not individualized investment advice from Diversified Insurance Brokers, and not a recommendation of any specific investment strategy or product. Diversified Insurance Brokers operates as an insurance brokerage and does not itself provide securities advice or manage investment portfolios. Qualified clients who move forward are introduced to an independent SEC-registered adviser who evaluates their situation under that adviser’s own regulatory framework and fiduciary obligations.
The philosophical premise of the program is straightforward: the strategies that allow ultra-high-net-worth families and institutional investors to build and preserve wealth across market cycles share underlying principles of risk management, asset diversification, and disciplined governance that are meaningful regardless of portfolio size — but access to them is not evenly distributed. Most clients encounter only the products and frameworks their existing advisers know and are positioned to offer. Concierge Wealth Services opens a door to a broader framework that draws from the same research-driven, institutional discipline that endowments, family offices, and sovereign wealth funds apply to capital allocation — examined through the lens of what is actually relevant and accessible for the specific qualified client. The accredited investor definition page covers who meets the qualification threshold, and an invitation to explore more provides the full context for the program’s positioning.
Request a Qualification Review
Accredited and otherwise qualified investors may request a private qualification review. If appropriate, qualified clients are introduced to our independent SEC-registered investment adviser partner for evaluation under their regulatory framework.
Diversified Insurance Brokers does not provide securities or investment advice. All investment introductions are to an independent SEC-registered adviser.
Concierge Wealth Services — What the Program Covers and How It Works
| Program Component | What It Is | What It Is Not |
|---|---|---|
| Qualification review | A private assessment of whether the prospective client meets accredited investor or otherwise-qualified-investor standards and whether the program’s frameworks are relevant to their situation | Not a guarantee of any particular investment return; not a commitment to any specific product or strategy; not individualized investment advice from Diversified Insurance Brokers |
| Investment risk analysis | A structured evaluation of the prospective client’s current risk exposure, portfolio composition, and alignment between risk tolerance and actual risk taken — using the Investment Risk Analyzer tool to create a quantitative risk profile | Not a managed portfolio or asset allocation recommendation from Diversified Insurance Brokers; the analysis informs the introduction to the SEC-registered adviser partner who evaluates it within their regulatory framework |
| Institutional framework introduction | An educational overview of the portfolio governance disciplines, risk management frameworks, and asset allocation principles that institutional investors apply — and how those principles translate to the individual qualified investor’s situation | Not a securities solicitation; not a recommendation to buy, sell, or hold any specific investment; educational framing only from Diversified’s role |
| Adviser introduction | A structured introduction to an independent SEC-registered investment adviser who evaluates the client’s situation under their own fiduciary and regulatory obligations; the adviser relationship is between the client and the adviser, not with Diversified Insurance Brokers | Diversified Insurance Brokers is not the investment adviser and does not manage money or provide investment advice; the introduction connects qualified clients to an independent adviser who does |
| Insurance coordination | For Concierge Wealth clients, Diversified Insurance Brokers continues to provide comprehensive insurance and risk protection services — life insurance, annuities for guaranteed income, disability income protection, long-term care planning — coordinated with the broader wealth architecture the adviser is building | The insurance coordination is Diversified’s core function and is separate from any investment advisory services provided by the independent adviser partner |
Who This Program Is Designed For
Concierge Wealth Services is designed for accredited investors and otherwise qualified individuals — as determined by the independent adviser under their regulatory framework — whose financial situations have developed complexity that benefits from the discipline and frameworks the program introduces. An accredited investor is generally an individual with annual income exceeding $200,000 individually (or $300,000 jointly with a spouse) in each of the two most recent years with a reasonable expectation of the same in the current year, or a net worth exceeding $1 million excluding the value of a primary residence. The full definitional framework is at what is an accredited investor. Beyond the accreditation threshold, the clients who benefit most from this program are those who have moved beyond the standard insurance and accumulation phase of financial planning and are asking more complex questions: how do institutional investors construct portfolios that hold up across market cycles rather than just bull markets? What does genuine portfolio-level risk management look like, and how does it differ from diversification across mutual funds? How do the most financially resilient families coordinate the asset protection, income planning, and estate architecture dimensions of their total financial situation? These are not questions that a single financial product or a single adviser relationship typically answers. The program creates the access point to engage with them seriously.
The Investment Risk Analyzer
A central component of the Concierge Wealth Services introduction process is the Investment Risk Analyzer — a quantitative tool that evaluates the prospective client’s current investment portfolio against their actual risk tolerance and financial objectives. Many investors discover through this analysis that their portfolio carries meaningfully more or less risk than their stated risk tolerance would suggest, and that the risk they are taking is not well-calibrated to the outcomes they need the portfolio to produce. The Risk Analyzer creates a structured baseline for the conversation with the SEC-registered adviser about whether the current approach is actually aligned with the client’s goals, time horizon, and tolerance for drawdown in adverse market conditions. Access the Investment Risk Analyzer directly to begin the assessment, or complete the qualification review form above and we will walk through it as part of the initial consultation. Additional context on how institutional portfolio governance is applied to individual investor situations is at institutional-grade portfolio construction. Quantitative risk management frameworks are explored at quantitative risk management. Investment access pathways are at curated investment access. Wealth strategy frameworks beyond standard insurance solutions are at beyond insurance: exclusive wealth strategies.
The Insurance and Annuity Foundation
For all Concierge Wealth clients, Diversified Insurance Brokers’ core insurance services remain the foundation of the protection architecture. Annuities for guaranteed lifetime income — including fixed indexed annuities with income riders whose structure and rates are at current annuity rates and the lifetime income framework at lifetime income annuities — provide the guaranteed income layer that institutional portfolio theory consistently places at the base of resilient wealth architecture. The broader annuity framework is at annuities. Life insurance for wealth transfer and estate architecture, addressed at life insurance services, and long-term care planning for the income and asset preservation dimension of longevity risk, at long-term care insurance services, are both coordinated through the Concierge relationship. The wealth protection and tax strategy foundations are explored at protecting your nest egg and Roth conversions. What the Concierge Wealth program adds to this foundation is the pathway to institutional-grade investment portfolio discipline — coordinated with rather than separate from the insurance and annuity architecture. The combination is what the program calls the total financial picture: protection, income, growth, and governance working together rather than in separate silos. For an introduction and to explore whether the program is appropriate for your situation, learn about Diversified Insurance Brokers and contact us to begin the qualification review conversation.
Request a Confidential Conversation
📞 Call us at 800-533-5969
or visit our Contact Page
Important: We do not provide securities or investment advice. If appropriate, we may introduce you to an independent SEC-registered investment adviser for evaluation under their regulatory framework.
FAQs: Concierge Wealth Services
Does Diversified Insurance Brokers manage investments or provide investment advice?
No. Diversified Insurance Brokers operates as an insurance brokerage and does not provide securities advice, manage investment portfolios, or act as an investment adviser. The Concierge Wealth Services program provides an educational introduction and, for qualified clients, a structured introduction to an independent SEC-registered investment adviser partner. Any investment advisory relationship is between the client and the independent adviser — not with Diversified Insurance Brokers. This distinction is important: our role is to identify appropriate clients for the introduction and to continue providing the insurance and financial protection services that form the foundation of comprehensive wealth planning.
Who qualifies as an accredited investor for this program?
An accredited investor is generally defined as an individual with annual income exceeding $200,000 individually (or $300,000 combined with a spouse) in each of the two most recent years, with a reasonable expectation of the same in the current year, or a net worth exceeding $1 million excluding the value of the primary residence. Certain professional credential holders and entities meeting asset thresholds may also qualify. The determination of whether a specific prospective client qualifies as an “otherwise qualified investor” is ultimately made by the independent SEC-registered adviser under their regulatory framework. The full accredited investor framework is at our what-is-an-accredited-investor page linked from this program.
What does the Investment Risk Analyzer do?
The Investment Risk Analyzer is a quantitative tool that evaluates the prospective client’s current investment portfolio against their actual risk tolerance, financial objectives, and time horizon. It creates a structured risk profile that many investors find reveals a meaningful mismatch between the risk they intended to take and the risk their current portfolio actually carries. The analysis provides the baseline for a productive conversation with the independent SEC-registered adviser about portfolio construction, risk calibration, and whether the current approach is aligned with the outcomes the client needs the portfolio to produce. It is an educational and analytical tool — not a guarantee of any investment outcome.
How does the insurance work alongside the investment advisory component?
Diversified Insurance Brokers continues to serve Concierge Wealth clients as their insurance and financial protection advisor, providing annuities for guaranteed lifetime income, life insurance for wealth transfer and estate planning, disability income protection, and long-term care planning — coordinated with the portfolio architecture the independent adviser develops. The insurance layer provides the guaranteed income foundation and risk protection base that institutional portfolio theory consistently places at the core of resilient wealth planning. The investment advisory relationship and the insurance relationship are distinct but designed to work together rather than in separate silos.
How do I get started with Concierge Wealth Services?
There are two ways to begin: complete the qualification review form linked at the top of this page, or schedule a private call with Jason Stolz directly through the Calendly link. The qualification review involves a brief discussion of your financial situation, investment objectives, and whether the program’s frameworks are relevant to your needs. If the program is a fit, we move to the Investment Risk Analyzer assessment and, for appropriate clients, the introduction to the independent SEC-registered adviser. The initial conversation is private, educational, and carries no obligation. Call 800-533-5969 to speak with us directly if you prefer to start by phone.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, as well as his agency's featured coverage in Kiplinger— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
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