Delphinus Financial Advisors, LLC

Delphinus Financial Advisors, LLC provides holistic financial planning and investment advisory services to individuals and families, delivering ongoing financial planning and, when elected, discretionary investment management plus optional tax planning and individual tax return preparation (federal Form 1040 and associated state returns). The firm operates as a fee-only advisor and does not accept commissions or sell insurance or investment products.

The firm structures portfolios and recommendations around each client's tax situation, risk tolerance, time horizon, and personal goals, typically employing no-load mutual funds, U.S. government securities, and cash equivalents among other suitable instruments. Clients who authorize investment management grant discretionary authority via a limited power of attorney, and the firm acknowledges its fiduciary duties for retirement accounts under ERISA while recommending custody through Charles Schwab.

Distinctive among peers, Delphinus does not charge percentage-of-assets fees; it charges a fixed annual fee set by the scope and complexity of services and bills monthly in advance, with fees often deducted directly from custodian accounts (including use of standing letters of authorization). The firm’s membership in fee-only professional organizations (such as the Alliance of Comprehensive Planners and NAPFA) and its integration of planning, discretionary management, and in-house individual tax preparation represent an uncommon service mix for a supported-sized firm.