Delta Wealth Management

Yes. As a registered investment advisor, Delta Wealth Management is legally bound by the fiduciary standard under the Investment Advisers Act of 1940. This requires the firm to act in the best interests of its clients, disclosing any conflicts of interest and avoiding self-dealing. The firm reinforces this posture by operating on a fee-only basis, declining commissions and third-party payments.

Delta Wealth Management primarily serves high-net-worth individuals, families, and professionals in the Granite Bay and Greater Sacramento areas. Clients typically include business owners, medical professionals, and corporate executives — groups that often face concentrated equity positions, retirement transition planning, and multi-generational wealth transfer needs.

The firm operates on a fee-only basis, charging clients a percentage of assets under management or, in some cases, fixed or hourly fees. Delta Wealth Management does not accept commissions, referral fees, or revenue-sharing payments from product providers. This compensation model is disclosed in the firm's Form ADV and represents a structural separation from broker-dealer and insurance-agent compensation models.

No. As an independent RIA, Delta Wealth Management does not manufacture or sell proprietary mutual funds, ETFs, or structured products. Client portfolios are built from third-party securities and vehicles, with assets typically held at an unaffiliated custodian. This separation of advisory and custodial functions is a foundational consumer protection feature of the RIA model.

The firm constructs client portfolios using a combination of individual equities, bonds, and exchange-traded funds, with occasional use of mutual funds and alternative investments where appropriate. Its Form ADV filings suggest an emphasis on low-cost, tax-efficient implementation, though specific allocations vary by client mandate and are not publicly detailed.