facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

You’re Focused on Achieving Your Dreams

Your Wealth Should Be Too


Our Clients

Does This Sound Like You?

You’re a smart, savvy entrepreneur who made a living doing what you love. And while you’ve done a decent job managing your personal and business’s finances on your own, there comes a point where the need to delegate these responsibilities becomes apparent. Whether it’s lack of time, know-how or the desire to get it right, you understand the importance of working with someone who can align every aspect of your financial life with your vision for the future.


Discover How We Can Help



Dave & Laura Wilson

Business Owners Nearing Retirement

Dave and Laura Wilson worked for Laura’s family business for over 30 years. Starting as an intern in high school, Laura has recently retired as COO. With work, family and commitment to community service, the Wilson family never had the time or interest in learning how to invest in financial markets. Now faced with the next step in their lives, Dave and Laura reached out to Delta Wealth Advisors to build solutions for their questions.

Read Case Study

Dave & Laura Wilson

Business Owners Nearing Retirement


Here’s What Happened


First

The first of three family businesses was recently sold leaving Dave and Laura with a large windfall of money.

Next

The Wilsons' wanted to invest the money and began to search for a financial advisor. They were referred to a broker from a large Wall Street bank that sold them a “proprietary investment strategy.”

But Then

The Wilsons' became increasingly frustrated with the high fees, unnecessarily complex investments and the advisor's unwillingness to help with real estate and other investments not invested with the bank. They shared their concerns with their broker at several meetings but found a number of their questions remained unanswered.


Where This Left Them


After a year, their concerns with their current broker left the Wilsons' unsettled about their investments and retirement.

In addition to the confusion around what they owned and why, the Wilson’s realized that the frequent trading in their account meant earnings were being taxed at more than double their long-term capital gains rate. Additionally, they realized that they were paying two sets of expensive fees: one to their broker and another to the mutual fund.


What We Did to Help


We met with the Wilson family and after discussing their concerns, we implemented the following strategies: 

  • Invested in private real estate opportunities: With an interest in maximizing their income, we introduced stable, cash-flowing real estate investments to Dave and Laura. This income supplemented their stocks and bonds to build an investment plan to meet their family's needs. 
  • Implemented a tax efficient investment strategy: Lowering the portfolio turnover. This further reduced their overall taxes.
  • Introduced our evidence-based investing approach: Using a focus on data and evidence to make intelligent, efficient investment decisions. We took the time to answer all of Dave and Laura’s questions, which left the Wilson family feeling more comfortable with their retirement.
  • Addressed their accounting needs: Discussing those concerns that had arisen from the family business being sold. Being charitably inclined, Delta implemented some actions to lower their taxes resulting from the business sale proceeds.


How the Wilsons' Benefitted


  • Lowered tax obligation: By moving investments to our rules-based investment models. This move created a significant tax savings with a move from short-term capital gains that are taxed at 32% to the long-term capital gains tax rate of 15%.
  • Lowered investment fees: By moving from high-fee, active mutual funds to low-cost indices. The significantly decreased fees resulted in the Wilson’s keeping more of their investment gains.
  • Personalized, proactive communication: By taking the time to increase the Wilson’s understanding and comfort with key investment principles, Dave and Laura have greater comfort with their portfolio and overall financial plan. The Wilson’s know their money is not entirely invested in stocks and they have other investments to help meet their current spending needs.

Are You a Business Owner Facing Similar Concerns?

We Can Help



Joe & Mary Dawson

Young Business Owners Growing Their Business

Joe and Mary Dawson are busy raising their young family, leaving them limited time to worry about anything else between work and family. The Dawsons' knew they needed help with their finances because they didn’t have the time or expertise to address all of their concerns – especially with Mary operating her own small business. 

To help simplify and improve their finances, they were looking for a “point guard” advisor to oversee and coordinate their entire personal and business finances.

Read Case Study

Joe & Mary Dawson

Mid-career Business Owners Growing Their Business


Here’s What Happened


Mary was the family’s head of finances until her company’s growth demanded more of her time and energy. Joe and Mary used to prefer the multi-broker strategy to “not have all their eggs in one basket”. After time, they found it overwhelming to meet with each broker, manage and track all of the investments.

Additionally, the Dawsons' felt they didn't have an overall family plan for how to optimize their finances.


First

Joe was interested in working with someone who would discuss more than the performance of stocks and bonds. He had an interest in owning real estate for a different income source.

But

Mary found it frustrating to coordinate tax decisions between his family, their financial advisor and CPA. He felt there were missed opportunities in the past because neither his CPA nor financial advisor were proactively communicating throughout the year to find tax savings or discuss the impact of business opportunities.


What We Did To Help


The Dawson’s turned to Delta Wealth for the full-suite of services they knew they needed help with financial planning, CPA services and investment management. While their other brokers could invest their money, they had additional needs with tax and real estate advisory services. 

Our team worked with Joe and Mary to identify and evaluate different real estate opportunities to complement their overall net worth.

In addition, we implemented the following strategies:

  • Built proactive tax planning strategies for each calendar year: in an effort to minimize tax liabilities and plan for possible "big tax" years. 
  • Consolidated investment portfolios: resulting in an efficient and simplified investment strategy to achieve the Dawsons' short- and long-term financial goals, lower investment fees and improve tax efficiency.
  • Reviewed current company benefits and retirement plans: for both Joe and Mary to ensure the maximization of their collective benefits and avoid paying for duplicate benefits.
  • Repositioned assets to meet short-term family goals: including house renovation and anniversary trip.
  • Met with vetted real estate professionals: to identify commercial and residential real estate opportunities for income producing properties.


How the Dawsons' Benefitted From Our Help


  • Joe and Mary developed a written plan for their future: This document has an accurate snapshot of their finances and clearly-written action items for their future. This plan identifies how they will pay for the kids’ college tuition, invest in opportunities outside of stocks and bonds, stay on track for retirement, and identify opportunities to grow their net worth.
  • Efficiently utilize employee benefits: On our recommendation, they maximized Joe’s 401(k) plan and allowed Mary’s company to avoid the expenses of offering 401(k) plan to employees. Mary’s company was able to use the savings to make a critical hire to expand the company.
  • Reduced investment costs: The Dawsons identified and eliminated duplicate portfolio holdings, lowered costs and increased tax efficiency across the different portfolios;
  • Introduced real estate investment opportunities: Together we analyzed and recommended multiple real estate opportunities that fit the Dawsons' long-term goals of owning stable income properties. These investments diversified them away from their concentrated holdings in industrial commercial properties.

Are You a Business Owner Facing Similar Concerns?

We Can Help


Jenni and Paul Backland

Busy Professionals

Jenni and Paul Backland are both busy professionals in demanding industries. Paul frequently travels for work as a Director of Sales, and Jenni is expecting to become a partner at her law firm in the next few years. With their focus on their careers, the Backland’s want qualified, skilled professionals who can implement and execute a plan for the future.

Read Case Study

Jenni and Paul Backland

Busy Professionals


Here’s What Happened


First

Jenni and Paul were looking for an advisor who would do more than invest their old 401(k) funds. They felt that the traditional Wall Street model of focusing on investment returns didn’t help them answer financial planning questions around 529’s, different ways to purchase their first home, what to do with their HSA, cash management tools, insurance needs and how to pay off multiple student loans.

A catalyst

arrived when Jenni asked her parents’ advisor to help allocate her and Paul’s 401(k)s. The advisor informed her that his firm did not allow him to advise on “held-away assets.” While the advisor would not be compensated, the Backland’s current employer 401(k)s were a significant investment for both of them, and they needed help investing these funds wisely.


What We Did To Help


The Backlands became interested in working with Delta Wealth because of DWA’s focus on their entire net worth and financial planning expertise. Jenni and Paul need help outside of managing their stocks and bonds, and they wanted a company that could both recommend and execute action items to improve their finances.

Delta Wealth implemented the following:

  • Formulated a plan to prioritize which student loans to pay off first to minimize interest payments. DWA worked with Jenni to refinance select student loans into lower interest loans.
  • Identified an attractive mortgage option for the Backland’s new home purchase which freed up cash to pay down high-interest student debt.
  • Focused on their near-term goal of starting a family. DWA discussed their state’s 529 rules and benefits and identified an optimal funding strategy for the Backlands' future children since they would like to pay for their college tuition.
  • Guided Jenni and Paul through the allocation and investment choices for their company 401(k)s including a proactive review of investments and plan options.


How the Backland's Benefitted From Our Help


  • Paul and Jenni understood DWA’s transparent fee structure. The Backlands appreciate the transparent net worth fee of 0.50% charged by DWA. They were not interested in working with a salesman who earned commissions on selling products.
  • They were able to put a plan in place. They have peace of mind that they finally have a detailed financial plan that addresses both their short-term goals of paying off their student loans and buying a home and longer-term items such as insurance, retirement planning and tuition for future children.
  • They used Delta Wealth’s client portal to track all their investments. Paul and Jenni utilized DWA’s app and client portal which allows them to review their financial plan, modify budgets, identify to-do items and track their investments in one location.
  • They were finally able to benefit from expert money management. Both 401(k)s are actively managed by investment professionals at DWA. This management includes analysis of available funds and active rebalancing.
  • They have a team of experts behind them. Most importantly, they have confidence in working with a team of experts that can grow their net worth through investments, financial planning and tax planning.

They have a team of experts behind them: Most importantly, they have confidence in working with a team of experts that can grow their net worth through investments, financial planning and tax planning.

Are You a Busy Professional Looking to Take Control Of Your Wealth?

We Can Help

We Can’t Be Everything to Everyone

We’ve built our firm by working with hardworking business owners and executives who understand the importance of putting their financial futures in capable, dedicated hands. Our clients work with us because they have a lack of time, willingness or ability to handle their planning, investments and taxes.  

Are We Right For You?

Let’s Find Out

Start Here