# Financial Innovations

Financial Innovations is an Asset Manager based in Atlanta, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Atlanta, United States
- **Region:** North America
- **Address:** Cranston, RI, United States
- **Founded:** 1985
- **Assets under management:** Undisclosed
- **Website:** financialinnovations.com
- **LinkedIn:** https://www.linkedin.com/company/financial-innovations-llc

## Regulatory record

- **CRD number:** 142769
- **SEC file number:** 801-67516
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/142769

## About

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC. Advisory services offered through Financial Innovat | Financial Innovations, LLC is a financial planning and wealth management firm that offers a customized, caring approach to our clients’ financial well being. We help individuals and families make sound financial decisions that preserve and increase their net worth, helping them achieve their life goals for success.

## Sectors

- Municipal Bonds
- Fixed Income

## People

- Stephen M. Delfino — President & Chief Investment Officer

## Questions

### What is Financial Innovations' core investment strategy?

The firm manages individual portfolios of tax-exempt municipal bonds. It focuses on investment-grade issues, generally holding bonds within intermediate- to long-duration ranges. Portfolios are constructed for high-net-worth and institutional clients seeking federal and, where applicable, state tax-exempt income. The firm does not invest in equities, taxable bonds, or commingled fund vehicles.

### Who makes investment decisions at Financial Innovations?

Stephen M. Delfino, the firm's President and CIO, centrally runs portfolio management. The firm's deliberately small scale is designed to keep Delfino directly involved in credit selection and portfolio construction. Public records do not identify an investment committee or an associate portfolio management team with independent authority.

### Does Financial Innovations run mutual funds or commingled vehicles?

No. Financial Innovations exclusively uses Separately Managed Accounts. Each client portfolio is individually managed, which permits customization around state-specific tax considerations, income needs, and maturity preferences. The firm has not launched a mutual fund, ETF, or closed-end fund in its history.

### Are there any known conflicts of interest in the SMAs?

As a fiduciary registered investment adviser, Financial Innovations must disclose potential conflicts in its Form ADV Part 2A. The absence of proprietary funds, principal trades, and soft-dollar arrangements typical of larger managers simplifies the conflict landscape, but allocators should verify trade execution practices and any cross-referral arrangements with affiliated wealth-management entities during operational due diligence.

### What is the firm's succession plan?

Financial Innovations has not publicly disclosed a succession plan or a timeline for transitioning the firm's management away from Stephen Delfino. The portfolio management function is centralized, and the firm has not historically described a multi-generational leadership structure or an internal ownership track for younger professionals.

## Related profiles

- [PIKILA](https://altss.com/profile/pikila)
- [Donatelli & Coules Financial Advisors](https://altss.com/profile/donatelli-and-coules-financial-advisors-llc)

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Last updated: 2026-06-03T20:00:00.000Z

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