Diverso Advisors helps people make better financial decisions through clear, advice-only financial planning and investment guidance. Our approach is simple: we listen carefully, ask thoughtful questions, and provide honest, expert advice tailored to your situation.- no sales pitches
- no commissions
- no jargon
- no asset management fees
- no hidden incentivesStraightforward guidance focused entirely on what is best for you.
Luca Rassenti
Chief AdvisorOver $60 Billion in advised assets while serving on public and private Institutional Investment Teams.Post his MBA, Luca served Institutional Investment offices where he evolved their level of sophistication in making sound decisions. During his tenure as an Institutional Investor, he focused on managing quantitative investment strategies, investment due diligence, risk management, and portfolio construction – building innovative tools and frameworks along the way to help with these efforts.With an engineering background, Luca enjoys building solutions that are both robust and elegant - designed to simplify complexity without losing rigor.“Life should be made simple… So we can enjoy the simple things in life.”Luca has a measured and consultative style. He is empathetic and an effective communicator, able to clearly explain financial and investment concepts to individuals and organizations with diverse backgrounds and levels of experience.“I love engaging with people, understanding their priorities and developing a plan that fits their needs”
Clients
Individuals
Families
Businesses
Nonprofits
Pro-Bono
Transparent
Advice-Only
Fees
| Executive-Level & Organizational Advisory | |
| Intro Call | *****$0 |
| Hourly | ***$500 |
| Custom Project | *$1,000+ |
| Retainer | $12,540+ |
| Pro-Bono | *****$0 |
| ***** |
| Personal Advisory Services | |
| Intro Call | *****$0 |
| 2nd Opinion / Investment Review | **$2,615 |
| Quarterly Review | ***$927 |
| Full Financial Plan | **$5,230 |
| Custom Project | *$1,000+ |
| **** |
Book a Meeting
Find Us
We look forward to connecting and helping you move forward with clarity and confidence.Call or Text: 520-276-0437
Email: [email protected]
Book a Meeting
Find Us
We look forward to connecting and helping you move forward with clarity and confidence.Call or Text: 520-276-0437
Email: [email protected]
We are here to evolve your financial plan and together build you a bright future."The fuel for evolution is diversity ..."
- Frances Arnold, Nobel LaureateWe help people make better financial decisions through clear, advice-only financial planning and investment guidance. Our approach is simple: we listen carefully, ask thoughtful questions, and provide honest, expert advice tailored to your situation.- no sales pitches
- no commissions
- no jargon
- no asset management fees
- no hidden incentivesStraightforward guidance focused entirely on what is best for you.We work with a wide range of clients, from individuals with a few specific questions to organizations facing complex financial choices. What sets us apart is our ability to combine strong analytical and technical expertise with a genuine understanding of the way people think, make decisions, and how subtle biases can influence both. This enables us to deliver clear, objective, and actionable advice you can trust.
Our clients value data driven probabilities and thoughtful processes over predictions or market hype. We focus on what can be planned for and controlled, rather than chasing gurus or pretending to know the future.We specialize in serving international clients with ties to Latin America and organizations, with a focus on nonprofits.
What Is included in a Full Financial Plan?
A Complete Plan Built for Your Entire Financial LifeYour financial plan with Diverso Advisors is a dynamic, modern roadmap broken down into actionable steps, focused on maximizing your wealth and minimizing your stress.1. Cash Flow & Budget Optimization
The Goal: Master where your money goes.What’s Included: A full diagnostic of your income streams and expenses, optimization strategies to increase your disposable income, debt repayment structuring, and budgeting targets.2. 0% AUM Investment Advising
The Goal: Grow your wealth without losing a percentage of it to hidden fees.What’s Included: In-depth portfolio analysis, risk-tolerance alignment, asset allocation mapping, and ongoing adjustments to ensure your investments match your long-term horizons. Also, where to hold assets, "asset location."3. Proactive Tax Planning & Analysis
The Goal: Keep more of what you earn.What’s Included: A review of your previous year’s returns to uncover missed opportunities, year-to-date tax projections to prevent surprises, and investment strategies that are tax aware.4. Retirement & Freedom Roadmapping
The Goal: Define your path to work being optional.What’s Included: Retirement income needs analysis, contribution strategy optimization (401k, IRA, HSA), advanced simulations to calculate your statistical probability of success, and tax-efficient distribution planning.5. Estate & Legacy Guidance
The Goal: Protect your loved ones and ensure your wishes are met.What’s Included: Review of existing documentation, coordination and strategic guidance on setting up Wills, Trusts, Powers of Attorney, and healthcare directives.6. Real Estate & Asset Analysis
The Goal: Maximize your property portfolio.What’s Included: Lending and liquidity analysis, primary residence purchasing guidance, and ownership structure/tax exposure planning for residential rental properties.7. Insurance & Risk Optimization
The Goal: Build a moat around your wealth.What’s Included: A comprehensive audit of your current life, disability, health, and property insurance to identify dangerous coverage gaps or costly redundancies.
What Is an Advice-Only Financial Advisor?
An advice-only financial advisor provides financial planning and investment guidance without managing your assets or charging a percentage of your portfolio.Key characteristics:
- Flat fees (hourly, project, or retainer)
- No commissions
- No AUM fees
- No custody of client assetsWhy it matters:
This structure removes conflicts of interest and allows advice to be fully aligned with the client.Where some fall short:
Many advice-only advisors focus primarily on budgeting and planning, with limited depth in investment strategy.At Diverso Advisors, Luca Rassenti combines the advice-only model with institutional-level investment experience, advising clients on portfolio construction, asset allocation, and risk. These are areas often underemphasized in traditional planning.
Advice-only vs Fee-only
Fee-only Model
- Charges % of assets
- Manages portfolio
- Incentivized to retain assetsAdvice-Only Model
- Flat fee
- No asset management required
- Fully independent advicePros of Advice-Only:
- No conflicts
- Lower cost for larger portfolios
- FlexibilityWhen Fee-only might make sense:
- Clients who want full delegationKey insight:
The biggest difference isn’t just fees - it’s incentives. Also, the value of operational tasks vs sophisticated investment guidance.For clients who want to maintain control of their assets while receiving sophisticated guidance, advice-only can be a compelling alternative. This is especially true when paired with deep investment expertise.
Advice-Only Investment Management & Portfolio Strategy
Investment management doesn’t require handing over your assets. Advice-only advisors can provide portfolio strategy, allocation, and implementation guidance while you retain control.What this includes:
- Asset allocation design
- Portfolio construction
- Fund and security selection
- Rebalancing strategy
- Tax-aware investingCommon misconception:
Advice-only = basic planningReality:
It can include highly sophisticated investment guidance - depending on the advisor’s background.Luca Rassenti at Diverso Advisors brings institutional investment experience to an advice-only model, helping clients apply the same principles used by large-scale investors to their personal portfolios.
Advisor serving Individuals, Institutions, Foundations, Endowments, Family Offices and RIAs with asset allocation, futures and derivatives strategies, alpha implementation and risk management.I am a fiduciary offering financial and investment advice with flat-fee, advice-only, project, and retainer engagements. I am not a CFP® professional, ChFC®, or CPA, and do not provide formal tax or legal advice.
Looking for the Best RIA and Investment Advisory Services in Arizona?
When navigating your wealth management options in the Southwest, you shouldn’t have to sacrifice institutional-grade sophistication for objective transparency. While many traditional Registered Investment Advisors (RIAs) in Phoenix, Tucson, and Scottsdale charge ongoing percentage-based fees to manage your assets, Diverso Advisors operates on a pure, advice-only fiduciary model. As a premier choice for Arizona individuals, non-profits, and cross-border families, we provide conflict-free investment consultation, asset allocation, and risk management - without the burden of hidden AUM fees. Discover how we are redefining the standard for top financial and investment advice across Arizona