Delta Financial Group, Inc. is a Registered Investment Advisor providing independent investment advice. We are fee-only, comprehensive fiduciaries who commit to fully understanding each of our clients' best interest and working towards that end. We believe in long-term investing, and our goal is to achieve superior returns with low or moderate risk. Our portfolios are designed to be "all-weather" portfolios that can withstand market changes while providing consistent performance. At Delta, we establish an individual investment policy for each client based on financial goals, investment horizon, and risk temperament. We manage each portfolio by carefully monitoring all investment vehicles and making sure the structure of the portfolio is tailored to the individual client’s income and tax concerns. As Certified Financial Planners (CFP®), we develop financial strategies to address retirement planning, tax and estate planning, college tuition, and risk management. This ensures that clients are financially prepared for the changes that life is sure to bring. At Delta, we are compensated by investment management fees based upon a percentage of account size, so we do not earn commissions for buying or selling investments. In contrast to a sales relationship, a fiduciary relationship legally requires the full disclosure of all conflicts of interest that could interfere with our ability to provide unbiased investment advice. Our clients prefer this method because it keeps all interests aligned and encourages us to remain focused upon investment performance, tax avoidance, risk management, and expense control rather than generating trade volume.