Planning and Analysis Services for Businesses and Individuals

Delta Financial Advisors, Inc. offers services to address a full range of financial planning topics and concerns. 

The serviceswe offer and the issues we address all depend on you- your interests, your needs, your resources, and your goals.

Common issueswe address in providing financial planning and analysis services to businesses and individuals include:

 Comprehensive Financial Planning 

 We evaluate your current situation – your resources, your values, your tolerance for risk, and your aspirations. We target your objectives and work with you to develop and implement a customized comprehensive plan designed to meet your specific financial goals. We monitor and evaluate the plan, and make adjustments as necessary based on changes in your circumstances, needs, and expectations.

Retirement Planning*

What stage are you in? Are you just starting to save, already saving, nearing retirement, already retired, or changing jobs? It’s never too early or too late to plan for your lifestyle needs.

Estate Planning

Take inventory of your assets, plan your will, consider trusts, and constructively manage potential tax consequences related to posthumous asset transference. 

College Planning* 

Plan ahead so your children can go to college and you can still retire comfortably. Maximizing college aid minimizes stress. Consider tax free tuition contributions utilizing 529 plans.

Tax Planning and Management 

Save time and money by working with someone who is familiar with your financial structure. Planning and preparing your taxes in the same location makes sense. Tax preparation services are available through Beverly A. Fischetti, CPA.  

 Asset Management / Distribution Planning for Separation & Divorce  

The financial ramifications of a divorce can be devastating, but with proper planning and preparation you can increase your chances of reaching an equitable settlement that addresses the long-term financial needs and capabilities of both parties, and avoid potentially disastrous economic pitfalls.

Domestic Partnership and Couples Planning 

Planning a life together? Discuss wills, living wills, power of attorney, real property, estates, asset transference, and tax consequences in planning for the future with your significant other.

Planning for Special Needs Individuals 

The issue is not about lifetime care, but about the quality of life. Many children with special needs are outliving their parents thanks to improved medical technology. Plan for your child or loved one's future. Proper special needs planning will address important issues such as guardianship, preservation of government benefits, and the use and management of trust funds*, among others.

Long-term Medical Care Planning 

Our life expectancy is increasing, but living longer does not always mean living in perfect health. The concept of long-term care raises significant financial, legal, and emotional issues. Taking the time to plan now, before there is a need, will give you peace of mind in knowing that you are prepared for difficulties that may arise.

 Budgeting and Cash Analysis  

If you don't know where you are going, any road can take you there. Evaluating your financial needs and goals is an important step in the journey toward reaching your financial goals. Help in prioritizing your fiscal responsibilities can maximize your available resources.
 

Structured or Lump Sum Settlement Planning 

What are the pros and cons of structured settlements? What should you do with a lump sum settlement? Professional financial planning services can help preserve and maximize your settlement through the planning and management of tax issues, and the propagation of future investments.
 

Employee Benefits Plan Analysis  

Maximize the value of your business’s group insurance, retirement savings allocations, and other employee benefits. Could cafeteria plans or health savings plans help keep your employee benefit costs under control?
 

401(k) / Qualified Plan Allocation 

Are you self-employed, incorporated, or in a limited liability business structure? Should your company offer profit sharing? What sort of tax deferral options are available?
 

Insurance and Risk Analysis 

Protect your personal and business assets by evaluating your risk exposure and structuring your insurance coverage according to your specific needs.
 

 Stock Options Analysis 

Evaluate how to effectively manage the options and convert them into investible assets, and determine the best time to do so. This aids in diversification of assets.
 
Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss.  With any investment vehicle, past performance is not a guarantee of future results.
 
 
 

*Securities offered through FSC Securities