At Delphinus Financial Advisors, we are not content to provide a static financial plan and leave you to implement the details on your own. Our focus is advocacy: working closely with you, we develop and maintain your financial plan, assisting and advising on its implementation and appropriate strategies. We take all the time you need to understand the details of your finances and the recommended solutions to simplify and grow your wealth. Through this level of advocacy, we can help you make informed decisions and feel confident that you have a partner to keep you on track. Our lives, and our world, are not static, so your plan requires and deserves ongoing monitoring and adjustments.
Our Process
Our process begins with learning about your situation and your goals. We discover your concerns and potential financial gaps, and delve into each of those areas according to their priority. We work one-on-one with you to determine a course forward for each area, coordinating as necessary with other experts such as attorneys or insurance professionals. We stay in regular contact with you and encourage you to contact us whenever you have a change or a question—no detail is too trivial. We reach out periodically for ongoing reviews. In this way, we help make sure our process continues to address your life’s needs.
Note that the chart to the right includes all optional services.
Financial Planning
At Delphinus Financial Advisors, we customize everything we do for you. We provide multifaceted solutions to help you reach your short-term and long-term goals, including retirement planning, estate planning, risk management, and education planning. For your investments, we design your portfolio to achieve your goals, not to reach some arbitrary benchmark. We work with you to discover your objectives, time horizon, and tolerance for investment risk, then advise you on building a low-cost, tax-efficient portfolio to help achieve the returns you need.
Investment Management
With our optional Investment Management service, in addition to everything offered with Financial Planning above, we manage your portfolio. This includes the direct setup and management of your investment accounts, implementation of your investment strategies, and ongoing portfolio monitoring and adjustments as required.
Tax Planning and Preparation
Unlike many other wealth management firms, we are tax professionals. With our optional Tax Planning & Preparation service, we provide advanced tax planning as well as tax preparation services. We prepare your tax returns, and with our comprehensive knowledge of your overall financial situation, we strive to maximize your current year tax deductions. Furthermore, this tax preparation base allows us to run detailed calculations on your current tax situation and suggest minimization strategies, as well as multi-year tax projections that may suggest longer-term strategies to minimize your taxes over your lifetime. These strategies often reduce your tax burden, both in the near-term as well as in future transition years (such as college and retirement).
Our Investment Philosophy
We take a total-life approach to your investments, incorporating tax planning to optimize your post-tax investment returns. In addition, we structure your portfolio based on Nobel Prize–winning research (please click here) and an evidence-based approach. Our perspective is not entirely a passive one, however, as we keep a watchful eye on the market for opportunities that can help you achieve your goals. With our strategic tax recommendations and use of low-cost investments, we aim to achieve greater after-tax returns so you can make faster progress toward your goals.
The Delphinus Advantage
Given our comprehensive approach to wealth management, we do not limit our service to the portfolio we manage. We instead extend our experience broadly to many areas of your financial life. Our comprehensive yet detail-oriented perspective allows us to treat your wealth as a harmonious whole. Upon a mutual understanding, we advise, or based on the services you select, fully implement many of the strategies on your behalf. For those needing your involvement, we are here to assist and coordinate in a helpful, hands-on manner. And we strive to educate and explain to the level that is right for you.
