Delta Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Delta Financial, Inc. is a newly registered, small investment adviser that provides discretionary asset management, bundled financial planning, and retirement-plan services. Its stated services include ongoing portfolio management, modular or full written financial plans, and ERISA-aware consulting and fiduciary solutions for plan sponsors and participants.
The firm describes an investment process that combines fundamental and technical analysis with a value-oriented, long-term bias, while also employing tactical and strategic asset-allocation approaches and limited option strategies when appropriate. It emphasizes tailoring portfolios to individual objectives, allowing clients to impose reasonable investment restrictions, and routinely recommends a specific qualified custodian for trade execution and custody.
Noteworthy features in the brochure include the firm’s very small, owner-operated structure in which the owner occupies multiple executive and compliance roles, and the fact that at initial registration the firm reported no assets under management or active clients. The disclosure also highlights a clear focus on retirement-plan and governmental/institutional work and an explicit willingness to act as an ERISA fiduciary, a client mix and operational profile that is less common among similarly sized supported firms.
Client services
Expertise
Occupation focus
Fee options
$0 - $1,000,000: 0.950% $1,000,001 - $3,000,000: 0.650% Above $3,000,000+: Negotiable
Fee-only: Annual fees based on assets under management with tiered rates as above; fees are negotiable
Main office
1615 Ludington Street, Suite B
Escanaba MI 49829
Advisors at this office
2
Most active in
Michigan · Wisconsin
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
Advisors at this firm
James M
Series 65
Escanaba, MI
Delta Financial, Inc.
James Mcneil is an Investment Adviser Representative with Delta Financial, Inc. He holds a Series 65 designation and began his advisory career in 2026. Prior to joining Delta Financial, Mr. Mcneil worked as the City Manager for the City of Escanaba, Michigan, a role focused on municipal government administration. He will transition to dedicating full time to his advisory duties at Delta Financial in mid-2026. Delta Financial, Inc. is a small, owner-operated investment adviser offering discretionary asset management, financial planning, and retirement-plan services. The firm applies a value-oriented, long-term investment approach combined with tactical asset allocation and serves clients including plan sponsors, participants, and institutional entities.
Robert V
Series 65
Escanaba, MI
Delta Financial, Inc.
Robert Valentine is a financial advisor at Delta Financial, Inc. He holds a Series 65 designation and began his advisory career in 2026. Prior to joining Delta Financial, he worked for seven years at First Bank Upper Michigan and spent 28 years with the City of Escanaba. Delta Financial, Inc. is a small investment adviser offering discretionary asset management, financial planning, and retirement-plan services. The firm serves plan sponsors, participants, and other clients with an investment approach combining fundamental and technical analysis, value-oriented and long-term strategies, and tactical asset allocation tailored to individual objectives.
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