Financial Planning

Delta Financial Advisors, Inc. Services


No two clients are exactly the same. Neither are their financial plans.
 
At Delta Financial Advisors, Inc., we never take a one-size fits all approach. To create effective customized financial strategies, we offer our clients the following services:
 

 


Financial Planning and Analysis for Businesses and Individuals

We offer independent financial planning services to help you asses your current situation, identify your goals, and develop appropriate strategies to reach those goals. Together we create a comprehensive plan that takes your entire financial picture into account, or we can tailor the plan to a specific goal or issue.  

 


Brokerage Services

We help you identify suitable investments and facilitate trades. Our brokerage services fit clients with up to $250,000 in manageable assets and who are serious about investing. Brokerage services are compensated through commissions, which vary by product.


Investment Advisory Services

Clients who desire continuing investment advice and asset management services tailored to the dynamics of the market and their continually changing circumstances are an ideal fit for these services.  We research many available strategies and managers to deliver appropriate and continuing investments counseling.  For ongoing advice and service we are compensated by charging fees as a percentage of assets under management. This service and fee structure allows continued flexibility for those individuals with greater than $250,000 in investments.  


Tracking Net Worth and Target Goals

Tracking net worth is an important step in charting a clients financial progress.  Net worth is the equity available to an individual after subtracting out the amount owed against an asset valuation.  It is a calculation of your net financial resources available at a stated period in time, and is an important barometer of your overall financial health.  Like a company balance sheet, changes in net worth are an important indicator of wealth accumulation or changes in wealth. 

Tracking client target goals is also an important means of measuring your financial process. We help each client identify and prioritize their goals according to their circumstances, weather the goal is to accumulate a target amount for college tuition, develop retirement income streams, transfer a business, plan for long-term health care, or change their primary residence.   


Tax Analysis, Advice, and Planning 

Utilizing recognized strategies to manage taxation requirements and help maximize tax savings adds to our clients resources, and accelerates their progress toward achieving their financial goals.  We analyze your circumstances and advise you on relevant tax consequences as part of developing your overall investment strategy to help maximize your investment potential.

The filing of an individual tax return is the validation process for good financial planning.  After your tax plan is established, Beverly A. Fischetti, CPA offers convenient tax preparation services.

 
Core Planning - Consulting and Analysis
 

Insurance coverage and risk analysis, long term care insurance analysis, qualified plan analysis and allocation, tax planning strategies, and employee benefits analysis all offered at no additional charge to Gold and Platinum Service Package Members.

 
Service Packages Financial Planning
 

            Silver Service Level

  • Initial analysis and consultation with Delta Financial Advisor Inc.s principal financial advisor
  • Annual review with Deltas principal financial advisor
  • Planning services are available at an hourly rate
           
            Gold Service Level
 
  • Initial analysis and consultation with Delta Financial Advisor Inc.s principal financial advisor
  • Annual review with Deltas principal financial advisor
  • Semi-annual consultation with Deltas principal financial advisor
  • Unlimited support service from Deltas registered investment advisor team members
  • Online account access available upon request
  • Core planning consulting and analysis at no additional charge
  • Additional planning consulting and analysis offered at an hourly rate
         
           Platinum Service Level
 
  • Initial analysis and consultation with Delta Financial Advisor Inc.s principal financial advisor
  • Annual review with Deltas principal financial advisor
  • Quarterly consultation with Deltas principal financial advisor
  • Unlimited support service from Deltas registered investment advisor team members
  • Core planning consulting and analysis  at no additional fee
  • Additional planning, consulting, and analysis offered at an hourly rate
  • Core planning consulting and analysis for family members at no additional charge
  • Eligibility for Client Advisory Board participation


Securities offered through American Portfolios Financial Services, Inc. Member FINRA, SIPC.
Investment advisory services offered through Delta Financial Advisors, Inc., an SEC Registered Investment Advisor. An SEC Registered Investment Advisor does not imply a certain level of education, skill, or training. Delta Financial Advisors, Inc. is independent of American Portfolios Financial Services Inc. and American Portfolios Advisors Inc.

Click to view our ADV:  ADV Part 2A, ADV Part 2B Beverly A. Fischetti, ADV Part 2B Joseph A. Fischetti, ADV Part 2B Aaron Szager.

IMPORTANT CONSUMER INFORMATION
A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.