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Financial Advisory Services

Financial planning provides a long term strategy for your financial future, taking into consideration every aspect of your financial situation and how those aspects relate to achieving your goals and objectives. A comprehensive financial plan can help you construct the foundation on which to build your financial future.

Retirement Planning

Planning your retirement is essential to your future. We can estimate your retirement expenses and build a tax sheltered nest egg for your future. We will review your Social Security benefits, your retirement plans such as IRAs, Roth IRAs, 401ks, Company Pension & Profit Sharing plans as well as your individual investment & savings plans. 

Tax Planning

The recent tax law changes have made taxes more complex than ever before. DELTA works with your tax advisor to plan for the years ahead. With proper planning it is possible to implement tax reduction strategies to decrease your overall tax burden. 

Estate Planning

In conjunction with your legal professionals, DELTA coordinates strategies for conserving the assets you accumulate during your lifetime, and distribute them according to your wishes at the time of your death. This analysis includes a review of the following topics: 

  • Wills, Trusts & Probate
  • Unlimited Marital Deduction
  • Unified Credit
  • Elder Law & Medicaid
  • Health Care Issues
  • Living Will
  • Asset management upon disability or incompetence

Risk Management

We provide detailed analysis in each of the following areas: 

    • Emergency Account
    • Life Insurance
    • Disability Insurance
    • Health Insurance
    • Health Care Issues
    • Long-Term Health Care
    • Property & Casualty Insurance

    College Planning

    We estimate the future college costs and recommend an investment strategy to provide those expenses. 

    General Counseling

    We provide insight to many other financial matters such as: 

    • Refinancing Analysis
    • New Home Purchases & Finances
    • Rental Property Analysis