Delta Capital Management

Financial Planning Services

At Delta Capital Management we believe ongoing financial planning to be fundamental to achieving your life's goals and enhancing your quality of life. We also believe ongoing and hands-on implementation, delivered through advice that is personal, comprehensive, objective, competent and ethical, to be indispensable to caring for all aspects of your wealth.

Financial planning, by definition, is the process of providing advice and assistance to a client in order to help that client achieve his or her financial goals. Because each client is unique in his or her own way there can be no “cookie cutter” approach to financial planning. Through our financial professionals, a client's needs are first prioritized and then addressed using the appropriate strategies and concepts. Delta Capital Management is proud to say that it only offers its financial planning and investment advisory services on a fee-only basis and initial consultations are always free of charge.

Because financial needs and concerns vary from one family to the next, the planner with whom you meet will begin by conducting a detailed personal interview in order to determine the amount of time necessary to develop a customized plan for you and your family. At this meeting you will be able to assess our capabilities, get questions answered and make an informed decision about beginning a long term professional relationship. Again, there is no charge and no obligation for this initial meeting. Once this step is completed, we begin to build a financial plan that can achieve your goals in ways that also reflect your values, vision and specific financial circumstances.

A few weeks later when we present your financial plan to you, it will include our written analysis combined with recommended planning strategies and techniques that are designed to help you achieve your financial goals and objectives. Our recommendations are based on the facts and representations that you make during this process. They address, but are not limited to, the following areas:

Cash Flow Analysis

How can I get a handle on what I'm spending?
Am I saving enough given what I make?
What level of emergency reserves should I maintain?
Which retirement income sources should I go to first?

Liability Management

How much debt is appropriate for me?
What is the optimal structuring of my mortgage and other financing?
Should I try to accelerate paying off my mortgage and other debt?
How can I best use financing options in the exercise of my company stock options?

Asset Protection

What type of personal liability coverage should I carry?
Do I have the appropriate levels of automobile and homeowner's coverage?
How much and what type of life and disability insurance should I have?
Do I need long-term care insurance? If so, how much and what type of policy?
Should I consider using wills or trusts to protect some of my assets?

Retirement Planning

When will I be able to retire and how much money will I need?
How do I plan for my children's educational expenses while saving for my retirement?
What are my most likely retirement scenarios and how do they compare?
Would a special package from my employer make it possible to retire early?
How much income can I take from my portfolio and still sustain my long-term security?
How can I be sure I won't become a burden to my children, grandchildren and family?
What would be the impact of working longer or working during retirement?
What is the impact to my future of a career change that would lower household income?

Asset Allocation and Portfolio Design

How much risk am I taking now and how much do I need to take?
How likely is my current portfolio to help me achieve my long-term financial goals?
What asset allocation is appropriate for me given my goals, situation and risk tolerance?
What specific investments should I use to implement my chosen asset allocation?
How do I incorporate my 401(k) or 403(b) plan into my overall portfolio design?
How do I incorporate my large position in my employer's stock into my portfolio?
How do I monitor and evaluate portfolio performance in various economic conditions?

Income Tax Planning and Management

What should I be doing to minimize my tax liability?
How can I best take advantage of the new tax law that continues to phase in each year?
Should I be sheltering more (or less) income and deferring its taxation to later years?
How can I lower my taxes through more effective use of my small business?
How should I structure my portfolio to maximize my after-tax (not pre-tax) return?
Which investments are best held in my after-tax (versus deferred or sheltered) accounts?
What strategies can help me reduce the taxes on my appreciated real estate holdings?

Wealth Transfer and Estate Planning

How do I arrange my estate plan to leave a legacy that reflects my values and priorities?
How do I treat my children fairly even though they have different needs and situations?
Will my estate plan minimize costs and taxes as well as hassle and delay for my heirs?
What type of will and/or trusts will best achieve my priorities?
Should I consider establishing a revocable living trust?
Are my beneficiary designations current, consistent and indicative of my priorities?
How can I best benefit the charities and other organizations I wish to support?

Ongoing Wealth Management

Delta Capital Management provides investment management services, which includes the following components:

A Statement of Investment Policy that establishes your specific investment objectives, risk tolerance, appropriate asset classes and any restrictions on the management of your funds
Initial and ongoing analysis to determine the appropriate allocation of your assets between various asset classes
Research and selection of the specific stocks, bonds and funds to implement your investment plan.
Regular and ongoing monitoring of your portfolio, including a review and possible modification of your positions as appropriate.
Monthly consolidated statements that detail your investment holdings, asset allocation, portfolio performance as well as quarterly newsletters that overview our outlook for the economy and the financial markets
Periodic meetings to review your progress toward your overall planning objectives, the status of your plan's implementation, any changes in your financial situation.