At some point, diversification stops protecting you and starts quietly working against you.

Diworsification is one of the most overlooked portfolio risks facing high-net-worth families today. What begins as prudent diversification can slowly evolve into excessive overlap, diluted conviction, and unnecessary complexity. This hidden danger could be reducing clarity, tax efficiency, and long-term performance.

In this episode, Josh breaks down what diworsification really means, why more holdings does not equal less risk, the three warning signs your portfolio has crossed the line, the hidden costs of overlapping funds, and how to simplify without increasing risk.

You’ll learn how to identify redundant positions, evaluate portfolio overlap, and determine whether your current financial advice is adding clarity or complexity. True diversification is strategic. Diworsification is accidental.

If your portfolio feels scattered, overly complicated, or difficult to explain, it may be time for a second opinion. We specialize in helping families design intentional, tax-aware portfolios aligned with their long-term goals.

👉 Work with us at https://www.f5fp.com.

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

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Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.