The Delta Group

**Background and Expertise:** Delta Advisors, Inc., also known as The Delta Group, is a registered investment adviser based in Napa, CA. The firm was established in 1983 by Eric D. Dahl and Dr. Patricia J. Williams. Both principals are licensed securities brokers affiliated with Oak Tree Securities and are California licensed insurance agents. The firm specializes in providing estate and financial advisory services to individuals, couples, salaried executives, small business owners, and retirees. **Investment Strategy:** Delta Advisors offers comprehensive financial planning services, including portfolio analysis, real estate review, retirement projections, estate planning, investment recommendations tailored to client needs and risk tolerance, and funding for children's education. The firm conducts a thorough client interview to assess goals, risk tolerance, assets, liabilities, and existing investment strategies. Recommendations are made to improve the client's financial situation, with two implementation methods available: brokerage investment advice and portfolio management. **Consumer-Facing Terms:** - Minimum Initial Investment: Not specified - Fee Structure: Financial plan fees range from $300 to $1,500, with hourly fees of $150. Portfolio management fees range from 0.5% to 1% of account value, billed quarterly in advance. - Fiduciary Status: Delta Advisors acts as a fiduciary, putting clients' interests first. - Investment Discretion: The firm offers both brokerage investment advice and discretionary portfolio management. **Advisory Business Description:** Delta Advisors employs fundamental analysis to evaluate economic factors, interest rates, and government policies for investment decisions. Their investment strategy combines fixed income assets with growth-oriented investments to balance safety and growth. The firm prioritizes capital preservation while considering inflation and purchasing power. Diversification is key to mitigating risks, with a focus on consistent performance and manager tenure. This summary provides an overview of Delta Advisors' background, expertise, investment strategies, and consumer-facing terms as outlined in their Form ADV Part 2A brochure.