Cancellation Policy.
At Divergent Wealth, we understand that unexpected circumstances can arise. To ensure we respect the time and preparation invested in your consultation, we ask that any changes are communicated in advance.
Notice Period
Any changes to your consultation – including cancellations, rescheduling, shifting between in-person / phone / virtual formats, or adjusting the meeting location – must be advised at least 24 hours before your scheduled appointment.
If less than 24 hours’ notice is provided, your consultation may be forfeited or a cancellation fee may apply. Refunds for prepaid consultations are not guaranteed without adequate notice.
No-shows (where a client misses their appointment without notice, or is unavailable for more than 50% of the scheduled consultation time) may result in the full consultation fee being charged and may affect the ability to book future appointments.
Example: If your consultation is scheduled for 2:00 pm on Tuesday, we must be notified of any changes by 2:00 pm on Monday. Notice provided at 6:00 pm Monday would be considered late and cancellation fees could apply.
Why Missed Appointments are Charged
When you book a consultation, we immediately begin preparing to deliver tailored financial advice. This preparation includes:
Reviewing your circumstances based on initial discussions.
Creating and maintaining your secure client profile within our advice systems, in alignment with our Data Collection and Storage Policy.
Conducting research relevant to your personal and financial goals.
Allocating adviser time exclusively to you.
Covering overhead costs such as hiring professional meeting spaces, maintaining digital infrastructure that protects sensitive client information, and enterprise-grade encryption and security systems to safeguard data.
Missed or late‑notice cancellations mean this time and preparation cannot be repurposed, which is why charges may still apply. Our approach ensures fairness, reflecting both the value of your time and the professional commitment required to provide high‑quality advice.
Example: If an adviser spends time preparing a tailored investment strategy in anticipation of your meeting, and you cancel without notice, the preparation time and associated overhead costs have already been invested and cannot be recovered.
Consultation Fees
The cost of your consultation will have been provided at the time of booking or through direct discussions with your adviser. For detailed information on advisory fees, please see the Adviser Profile.
Our Commitment
We will always aim to accommodate changes with professionalism, respect, and flexibility. We kindly ask that clients extend the same courtesy by providing timely notice of any adjustments to their consultation.