Services
With all the changes that can affect you financially, having a trusted and learned friend there to help you make good decisions when life and money intersect can make all the difference. We can meet face-to-face, talk over the phone, set up a video conference, or communicate via email, depending on where you are, what you need and when.
Delphi Wealth Partners Investment Management Services Include:
Discretionary Asset Management
Reduce your risk, fees, and increase overall returns with discretionary trading authority based off of Delphi Wealth Partners’ proprietary algorithms and strategies.
Comprehensive Financial Planning
We offer comprehensive financial planning for investments, retirement planning, cash flow analysis, debt management, insurance protection strategies, proactive tax management, and estate planning.
Tax Diversification & Mitigation Strategies
What you keep can make a bigger financial impact on your assets or what you earn. Tax diversification and mitigation strategies take into account what you earn, own and need, when and how that relates to how you’ll be taxed on each. The result is a strategy that ensures an appropriate income stream from the right sources at the right time for you.
FIDUCIARY DUTY: NOT JUST THE LAW — IT’S HOW WE WANT SERVE OUR CLIENTS
At Delphi Wealth Partners, we always put your interests first and never get paid on commission
As a Registered Investment Advisor, I am not tied to allegiances or requirements to work with any financial institutions. It is up to my clients to decide where and how to invest their money. The most important difference between a Registered Investment Advisor and your typical Broker (even if both are called Financial Advisors) is that, as a Registered Investment Advisor, I have a Fiduciary responsibility to my clients. FINRA registered Brokers only have to hold themselves to a Suitability standard.
Retirement Planning and Investment Management
When you retire, you will have an income need. Your income may be composed of or supplemented with Social Security or a pension benefit. Most people will end up with a deficit. Our job is to bridge the gap so that you can continue the same standard of living you have today, throughout your retirement.
We are not in the business of predicting markets. We are in the business of solving a 30-year income problem. Additionally, that income needs to keep pace with inflation and use investment vehicles that keep a portion of your money safe from the whims of the global financial markets.
We believe that long-term, repeatable investment success comes from having a rules-based, formula-driven process. We utilize a process which doesn’t solely rely on opinion, and that helps take emotion out of the decision-making.
Through research and our experience following the markets, we understand what drives performance and returns. Based on this knowledge, we create a customized solution unique to your risk tolerance and income needs.
The Delphi Wealth Partners 3-Step Plan
We begin with a scientific process and apply it to financial planning.
Step #1
Discover Your Dreams
What’s important to you? What do you want your future to be? Together we’ll discover and clarify what you want—and what you don’t—for your ideal retirement.
Step #2
Research, Set Goals & Plan
We gather data to find out how to make your dreams a reality. Together, we develop a comprehensive plan with written recommendations and then implement it to help you reach those goals.
Step #3
Track & Adjust
We monitor your progress to make sure you stay on track. We make adjustments when life or your priorities change.
F.A.Q.
Questions About Delphi Wealth Partners Financial Services?
We Have Answers.
Yes. As a registered investment advisor (RIA), I fully comply with the Federal Security and Exchange Commission’s fiduciary duty regulations and standards.
A fiduciary standard requires registered investment advisors (RIAs) to always place their clients’ best interests ahead of their own, disclose any potential conflicts of interests and maximize an investor’s welfare rather than their own compensation.
While all of these financial service providers can provide a range of financial services, only registered investment advisors are held to fiduciary standards.
As a registered financial advisement firm, Delphi Wealth Partners is not compensated or influenced by commission. Fees are based on percent of assets managed for ongoing clients, with fixed cost and hourly fee options for clients who manage their assets elsewhere.
Investment Management
Ongoing clients: 0.55%-1.25% of assets under management
Financial Planning Service
Task-based: $500+ or $150-$450/hour
In addition to Aaron’s Registered Investment Advisor (RIA) credentials for Colorado, Oregon, Texas and Washington State, he is a Certified Financial Planner® (CFP), Chartered Retirement Planning Counselor® (CRPC), and Accredited Portfolio Management Advisor® (APMA).
In 1990 Aaron began his lifelong passion for tracking investments by reading the Wall Street Journal and checking Prodigy dial up internet service. He became a professional Financial Advisor in 2007 with Ameriprise Financial Services, at the peak of the market, right before one of the largest stock market drops in American history. Based on Aaron’s desire to offer truly independent, comprehensive, and personalized financial services, in 2015 he founded Delphi Wealth Partners.
All investments are tools. As an independent Registered Investment Advisor, Aaron works on his client’s behalf to which investments from any company best meet his client’s needs. Delphi Wealth Partners currently uses: Mutual Funds, ETFs, Individual Stocks, Bonds, Options, Structured Products, Insurance, Annuities and many others. Just as no single tool is right for every purpose, Delphi Wealth Partners recommends determining which investment or combination of investments will best serve each client’s specific goals.
Beyond types of investments, many clients don’t know which types of investment accounts make the most sense for their goals. For example, the majority of Americans don’t know that a Roth IRA can provide tax free investment growth and income, which can matter more than which S&P 500 index fund they choose.
I advise my clients on all aspects of their financial life, no matter where those aspects lay: real estate, stocks, bonds, 401(k)s or pensions, trusts or estate planning, 529 plans, or how to structure your business ownership, down to even just your current occupation. The decisions you make every day will define the future opportunities and risks you face in the future. Ensure you have a trusted and learned friend to talk to who can help you make the right decisions based on your values and goals.
We’re available for our clients ALWAYS. Whether it is evenings, weekends, holidays, via e-mail, text, phone, or video-conferencing, we will utilize any and all ways to communicate that YOU prefer. We meet with most of our clients at least twice a year, face-to-face, however we want to tailor your experience to your expectations and needs.
There are many factors you must consider when determining the level of risk you take and how to implement it. I recommend my clients base their decisions on three risk and return factors:
- How comfortable are you with risk?
Your investment preferences matter. How comfortable are you with swings in the market or the price of your investments? - How much risk could you safely take?
Your total financial picture makes a difference. Do you have other investments or is this “all your eggs”? - What rate of return do you need to reach your goals? Why take more risk than you need? Even more important—why invest in something risky that can’t earn enough to reach your goals.
As a Registered Investment Advisor, I can work on your behalf with any financial institution. If you want to hold your assets at Fidelity, Vanguard, T. Rowe Price, or Goldman Sachs, I can still give you my advice and help you implement my recommendations.
However, I primarily recommend a TD Ameritrade as a custodian for these reasons:
- Low fees
Your money should stay yours. TD Ameritrade charges $0 trading costs for most of our investments. - Open architecture
I want to be able to get investments from all those companies above, if they are the best of breed. - Minimize proprietary products
I don’t like being forced to buy the “company” brand. I want the best of the best for my clients, not limited options.
“Know thyself and all things in moderation” An inscription said to be found above the door at the Oracle of Delphi.
By helping my clients develop a diversified portfolio that best reflects their situation and risk tolerance relative to desired growth, we can implement several different “styles” or philosophies to achieve their goal. Some focus on the lowest fees, or the lowest volatility, while others want the most growth possible.
I personally am a Warren Buffett and Benjamin Graham disciple. I believe:
- If you discount the cash flow of the future earnings of stellar businesses, you will be rewarded over time, again and again.
- The price you pay matters.
- The appearance of safety will cost you a lot.
- Math always wins in the end.
Currently Delphi Wealth Partners uses TD Ameritrade, Vanguard Retirement (Ascensus), TIAA, and John Hancock Retirement Services. However, every client and every case could be different based on their specific situation.
Federal Security Exchange Commission’s Investment Advisers Act of 1940 rules prohibits investment advisors from publishing a testimonial of any kind concerning the investment advice, analysis, reporting or any other financial services provided. Delphi Wealth Partners appreciates our clients’ support, as ~100% of our business comes from satisfied client and community referrals. Aaron’s served a growing client base as a financial advisor since 2007 without ever needing to advertise.
Financial Terms
Our goal is to make sure you fully understand what you want and need to know about investing and how it pertains to you. While we’re happy to take the time to simplify these often confusing financial concepts further, you may find this list of common financial terms defined helpful.
Diversification is a strategy that can be neatly summed up as “Don’t put all your eggs in one basket.” The strategy involves spreading your money among various investments in the hope that if one loses money, the others will make up for those losses.—U. S. Securities and Exchange Commission
Investopedia defines A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund’s assets and attempt to produce capital gains or income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus.’
Mutual funds give small or individual investors access to professionally managed portfolios of equities, bonds, and other securities. Each shareholder, therefore, participates proportionally in the gains or losses of the fund. Mutual funds invest in a vast number of securities, and performance is usually tracked as the change in the total market cap of the fund—derived by the aggregating performance of the underlying investments.
An emergency fund is a bank account with money set aside to cover large, unexpected expenses, such as:
- Unforeseen medical expenses.
- Home-appliance repair or replacement.
- Major car fixes.
- And, costliest of all, unemployment.
—NerdWallet
Investopedia defines an IRA as an individual retirement account (IRA) is a tax-advantaged investing tool that individuals use to earmark funds for retirement savings.
Unlike other individual retirement accounts, with a Roth IRA you pay taxes on your contributions every year. But also unlike other individual retirement accounts, with a Roth you pay no taxes on distributions—including your investment growth—when you reach retirement age.—NerdWallet
Bonds are an asset class where the investor lends a government or business money for a set period of time, with the promise of repayment of that money plus interest.—NerdWallet
Investopedia defines A stock (also known as equity) is a security that represents the ownership of a fraction of a corporation. This entitles the owner of the stock to a proportion of the corporation’s assets and profits equal to how much stock they own. Units of stock are called “shares.”
Investopedia defines A trust is a fiduciary relationship in which one party, known as a trustor, gives another party, the trustee, the right to hold title to property or assets for the benefit of a third party, the beneficiary. Trusts are established to provide legal protection for the trustor’s assets, to make sure those assets are distributed according to the wishes of the trustor, and to save time, reduce paperwork and, in some cases, avoid or reduce inheritance or estate taxes. In finance, a trust can also be a type of closed-end fund built as a public limited company.
A Family Office is [typically] a privately held company that handles investment management and wealth management for a wealthy family, generally one with over $100 million* in investable assets. [Family Office services focus on the growth] and transfer [of] wealth across generations.—Wikipedia
*Delphi Weath Partners offers these same mix of services for families with assets under $10 million.