Delta Financial, Inc. is a registered investment advisor based in Escanaba, Michigan, offering asset management, financial planning, and retirement plan services. Delta Financial manages investment portfolios on a continuous and ongoing basis, tailoring strategies to each client's specific financial situation, investment objectives, and risk tolerance. The firm primarily employs fundamental and technical analysis, using value-investing strategies, long-term and short-term purchases, and tactical or strategic asset allocation. In addition to investment management, Delta Financial offers comprehensive and modular financial planning services—covering asset allocation, cash flow analysis, college funding, estate planning, investment planning, and retirement planning—which are bundled at no extra cost for clients who use the firm's asset management services. Delta Financial also provides retirement plan consulting and management services to plan sponsors and participants.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.95% |
| $1.0M - $3.0M | 0.65% |
| $3M+ | 0.65% |
Fees are negotiable based on the complexity of the client's situation, relationship with the investment advisor representative, and total assets managed. Rates above $3,000,000 are negotiable.