Delta Capital Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Delta Capital Management is a recently registered, sole‑proprietor advisory firm that provides ongoing financial planning to individuals, high‑net‑worth households, and businesses. The firm offers subscription planning tiers that deliver comprehensive written or electronic plans, investment recommendations for employer retirement accounts, rebalancing advice, and periodic meetings, but it does not manage client assets or participate in wrap fee programs.
Clients receive quarterly check‑ins and an annual full review, with planning that can include budgeting, student loan and annuity planning, tax‑aware strategies in coordination with the client’s tax professional, and estate‑document coordination with the client’s attorney. The firm operates as a fee‑only planner that does not accept commissions, performance‑based fees, custody of client funds, or exercise investment discretion on client accounts.
Notably, the firm uses fixed monthly subscription fees paid in arrears rather than percentage‑of‑AUM billing, an approach that is uncommon among firms in this category. The adviser is a sole owner who devotes significant time to another full‑time occupation (teaching, approximately 70% of trading‑hour time), the firm reports no related parties or outside compensation, and it has no history of disciplinary disclosures.
Client services
Expertise
Fee options
Fee-only: Starter: $150/month in arrears; Wealth Builder: $275/month in arrears; Legacy Builder: $400/month in arrears
Main office
Lodi CA
Advisors at this office
1
Most active in
California
Also doing business as
Delta Capital Management · Higgs, Timothy
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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