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Our Firm

Extensive Experience, Cutting-Edge Technology

Our goal is to deliver an exceptional client experience by leveraging both extensive planning and investment experience, as well as the latest in technology innovations in the financial services industry. As our client, you will experience a level of service and personalized dedication unlike other financial services firms. Our financial plans and investment portfolios are custom-tailored to each client’s needs, and you will have access to your financial advisor, your financial plan, and your investments to suit your schedule. We’re constantly evaluating new technology to make our processes, plans, portfolios, and services better and more accessible for our clients.

Investment Management

Our Commitment

We are focused on providing an exceptional client experience, and we believe that our clients deserve these fundamental tenets:

Our Background

Sean McComber, CFP® CAP® is the President and Chief Investment Officer of Divergent Private Wealth Advisors. Prior to founding Divergent Wealth™,  he spent several years working as the Director of Financial Planning & Investment Management in a private practice, where he did extensive work with ultra-high net worth individuals, particularly in the areas of tax planning, retirement planning and advanced estate planning. In that firm, he also chaired the Investment Committee, where he melded the firm’s agnostic portfolio vision with the research team’s analysis to conduct quarterly steering meetings and adapted the model portfolios as necessary. He has done complicated planning and investment work for a highly varied group of clients, including the owner & founder of a $100M multi-national clothing company, a leading doctor and thought leader at Johns Hopkins University and Hospital, an executive in a FANG company with concentrated wealth due to company stock options, a partner in a national structural design & engineering firm, as well as several business owners who made successful exits from their respective businesses and families who experienced the sudden loss of a loved one. Across the board, he has been lauded for the depth and breadth of his planning process, the diligence of his investment approach, but most of all, his passion for relating to and helping others.
 
Mr. McComber earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc. in 2012 and has been a practitioner of comprehensive, holistic financial planning ever since. Two years later, he earned the Chartered Advisor in Philanthropy (CAP®) designation from the American College, and Sean passionately pursues this line of work for he believes that collaborating with clients, their families, and their designated charities to create a legacy of giving is the noblest part of this profession. He currently holds the FINRA Series 65 and the Maryland Life & Health license, and he has passed the FINRA Series 7, 6, and 63 exams though these registrations are no longer necessary.

 
Mr. McComber entered the financial services industry in 2009 when he joined Prudential Financial as a Financial Services Associate. He quickly moved beyond being an agent and built comprehensive financial planning into his practice. Prior to working as a financial advisor, Sean worked in the mortgage industry for a decade and owned a mortgage company for the last half of that period. He has extensive experience in the trials and tribulations of being a business owner, and has particular insight into residential and commercial real estate, as well as leveraging forward or reverse mortgages, lines of credit, and other debt instruments as part of an overall financial plan to build and protect wealth.

Our Experience

A Few Words From Sean McComber, CFP® CAP®:

"I have personally experienced the challenges of divorce, the sudden and debilitating loss of a child, the health declines and associated cost of care for an aging parent, as well as the growth plateaus and challenges of building a business – and the gut-wrenching decision to shutter that business during The Great Recession.  These are the reasons I do what I do as a Financial Planner and Advisor.

 

I work closely with my clients in the areas of financial planning, investment management, insurance and risk management, tax and estate planning, business growth and succession strategies, philanthropy, family governance, and legacy planning.  I strive to collaborate with my clients in creating the plan to achieve their dreams while helping them prepare for and recover from the inevitable disappointments and disasters in life.  I want to be that partner who helps others weather those storms better than I have – I’ll handle the financial aspects so you can focus on yourself, your family, and your emotional well-being.  I’ve found that my background in Psychology helps to create a deeper connection and empathy with my clients as we partner together in achieving their life goals.

 

I have particular experience in working with business owners and other top earners to help maximize their accumulation strategies and coordinate an efficient exit strategy. Business owners and top executives have a dual planning problem – how to drive continued growth in the company while also building personal wealth and protecting it for their family. Their tax and estate challenges cross the lines between business and personal, and those areas must be navigated with dexterity and deep knowledge.

 

I have also worked with people who have experienced a major life change, particularly divorce and premature death of a family member. Many times, these individuals are faced with learning new skills, rebuilding their lives, and re-tooling their life plans. Financial planning as a holistic practice serves to help those in need on a personal, financial, and emotional level to move forward with their lives in confidence. I have lived these challenges, and we’ll navigate them together.
 
Many of my clients are approaching or entering retirement, and are in need of a financial plan to stress test their planned retirement age, accumulation and decumulation strategies, and determine if they can live their retirement dreams without running out of money. Many are concerned about the rising cost of health care and the possibility of a long-term care need, and want clarity on how these can impact a long-term retirement of 30 years or more. After all, what good is a huge nest egg if you can’t crack it?
 
Working with younger people as they begin their careers is also a key area for me. I strive to make the financial planning process an educational experience for them and to serve as their financial resource. This company was built to meet the changing technology-driven expectations of tomorrow’s leaders, and our unique focus on helping younger professionals find financial stability and success as quickly as possible has given us a special niche in this population. Our proprietary investment approach can offer the same low-cost, low-pressure experience as a robo-advisor but with a real person and real experience to be there when they need it.”

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