Wealth Management

Wealth Management

Comprehensive financial planning and investment management customized for each client based on their unique circumstances and designed to maximize the probability of financial success.

Our comprehensive wealth management service is about aligning your needs and goals with the proper investment strategy. It involves diving into your financial life and understanding your unique needs in order to put together the proper financial plan and investment strategy that will get you where you want to go, and live your best life, stress free.

Who This is Designed For?

  • Nearing Retirement
  • Retired
  • High Net Worth
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The Process

The right process is paramount in being able to help clients succeed and live the life they intend to. By no means is this a one and done or set it and forget it process. We will revisit this process at least annually and whenever circumstances dictate. Life happens and our process needs to be as agile as our clients are.

  • Step 1

    Discovery Process

    The Delphi Investment Management process starts with our clients. We spend as much time as needed to learn the ins and the outs of their financial lives. This ensures we have all the information needed to create the best possible investment portfolio to meet their long-term goals.

  • Step 2

    Asset Allocation Recommendation

    After we know all the factors that affect our client’s financial lives, we give an asset allocation recommendation that is best suited to meet those goals. This is done through 10,000 iterations of statistical modeling that helps us understand what the most likely future outcomes are, along with best- and worst-case scenarios.

  • Step 3

    Maximize the Risk Adjusted Return and Assign a Benchmark

    Now that we know what asset allocation is best suited to meet our client’s long-term goals, we look to mitigate risk while maintaining the long-term return expectations. This is done through blending of asset classes and sub asset classes that work together to deliver the optimal risk adjusted return. The result of this step is a client’s base portfolio, or benchmark, and will be used as a measuring stick and risk mitigation tool.

  • Step 4

    Adjust The Portfolio Based on Market Conditions

    After we determine the optimal base portfolio, we will adjust it as time goes on to fit the market conditions. Not all investment vehicles are best for all markets.

Discovery Process

This is by far the most important step in understanding the ins and outs of our clients lives. We will dive into every detail, leaving no stone unturned as we strive for ultimate understanding. The list below is the bare minimum that needs to be understood as every client has unique circumstances that cannot be covered by a simple template.

  • Balance Sheet

    Understanding your entire asset and liability picture is very important in designing a portfolio that fits into your financial life.

  • Income and Expenses

    Getting a grasp on your current, and future, income and expenses will help us determine the distribution needs from the portfolio and can dictate overall asset allocation.

  • Taxes

    Your current and projected future tax brackets can not only effect investment strategy, but also distribution strategies.

  • Financial Milestones

    What large purchases, or potential sudden money situations are on the horizon? How should we account for this in your overall portfolio strategy.

  • Time Horizon

    One of the biggest factors in an investment strategy is how long the money needs to be working for you. Understanding your health and family history is incredibly important to long term planning.

  • Financial Goals

    What do you want these assets to accomplish for you? Are they for legacy purposes? Or perhaps retirement income? Do you want to grow the assets as much as reasonably possible or is growth not that important? The strategy needs to fit the goal.

  • Volatility Threshold

    How comfortable are you with short term market shifts and shocks? Having a strategy that won’t keep you awake at night is the key to reaping the long-term rewards.

Active Portfolio Management

Adjusting a portfolio based on market conditions is incredibly important in adding value to a well-constructed benchmark. Increasing and decreasing exposures when market conditions shift will help maximize the risk adjusted return and ultimately help clients achieve their long term goals.

*Investing in capital markets involves risk of loss and there is no guarantee that active management will add value to the investment strategy. Past performance is not indicative of future gains

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Does Your Adviser Measure Up?

Advisors come in all shapes and sizes. They have different expertise, they operate in very different ways, and even get paid differently in many cases. Is your advisor the best fit for you and your family?

Your Financial
Always acts as a fiduciary? ?
Fee only, not fee based? ?
Clear and transparent fee structure? ?
In house, active, portfolio management? ?
Focus on client service? ?

Frequently Asked Questions

Absolutely! Delphi Advisers is what's called a Fee-Only Fiduciary. This means that we are required by law to always put our clients needs ahead of our own and act in their best interest on every occasion.
Additionally, many of our competitors may be registered as a fiduciary but also act in other capacities when dealing with their clients, which creates a conflict of interest. We are a fiduciary and ONLY act as a fiduciary, always.

There are myriad factors that set us apart from our competitors, from the structure of the business to how we manage portfolios. Put simply, and briefly, we are shifting the paradigm on how clients are serviced and every aspect of our business model is structured to ensure we help clients have the absolute highest probability of success. Our model is built around our clients and we put them first, every time.

Yes. We build personalized portfolios for our clients that are designed to meet their individual needs and accomplish their goals. We do not use third party investment managers, arbitrary model portfolios, or passive investment strategies. Our clients pay us to manage their investments and we give them every pennies worth of their fees.

Unlike many of our competitors, we have a very clear and transparent fee structure. For our investment management clients we charge a flat percentage of the value of the assets we manage and in most cases this will include financial planning. For our planning only clients, we negotiate a price for the service needed and that's it. We don't collect commissions, charge layers of fees, or get kickbacks for recommending products. Our fee structure is simple, clear, and you will always know exactly how much you are paying us, down to the penny.

Nationwide, and some international. Delphi Advisers, LLC is headquartered in Vancouver, WA and we serve clients locally and across the country, and even some international clients.

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