Business Details
Trusted Financial Planning & Insurance Solutions Nationwide
At Delta Financial Services, we combine decades of industry expertise with personalized financial strategies to empower families and businesses. Our team of seasoned professionals, including former attorneys, engineers, and insurance specialists, delivers tailored solutions for retirement planning, wealth transfer, and business continuity. With a focus on innovation and client-centric service, we leverage partnerships with top-tier insurance carriers to address complex financial needs. Our multidisciplinary approach ensures clients receive comprehensive guidance, whether planning for education funding, executive benefits, or international financial solutions. Backed by memberships in elite organizations like the Million Dollar Round Table, we uphold the highest standards of professionalism and ethical practice. Our nationwide presence across major U.S. cities enables us to serve diverse client bases, including high-net-worth individuals and foreign nationals.We prioritize transparency in all recommendations, ensuring clients understand the rationale behind each financial decision. Our commitment to excellence extends to ongoing support, adapting strategies as clients' needs evolve over time. By integrating advanced technical knowledge with personalized service, we aim to build lasting relationships grounded in trust and mutual success.
Services
Pension Defined Benefits
Disability Income Protection
Retirement Funding
Annuity with Lifetime Income
Premium Finance Insurance
Wealth Transfer Planning
Business Continuity Planning
Education Funding
Tax Deduction Solutions
Private Placement Insurance
Highlights and features
- We offer decades of combined experience in financial services and insurance planning
- Our team includes former attorneys and engineers with multidisciplinary expertise
- We specialize in customized solutions for high-net-worth individuals and businesses
- We maintain partnerships with top-tier insurance carriers nationwide
- Our professionals hold elite industry memberships like MDRT and TOT
Associations and certifications
- Million Dollar Round Table (MDRT)
- Top of the Table (TOT)
Services
Pension Defined Benefits
Our Pension Defined Benefits service creates customized retirement plans for business owners and executives. We design tax-advantaged structures that maximize retirement savings while minimizing current tax liabilities. This solution works particularly well for high-income professionals seeking predictable retirement income streams.
Premium Finance Insurance
Premium Finance Insurance solutions help clients leverage existing assets to fund large insurance policies. We structure financing arrangements that preserve liquidity while securing life insurance coverage for estate planning and business continuity purposes. This service benefits high-net-worth individuals and business owners.
Business Continuity Planning
Our Business Continuity Planning ensures smooth ownership transitions through buy-sell agreements and executive bonus plans. We develop strategies that protect company value during leadership changes while maintaining operational stability. This service addresses tax implications and funding mechanisms for seamless business transitions.
Education Funding
Education Funding solutions create structured savings plans for families' educational needs. We implement tax-efficient vehicles that grow assets predictably while maintaining flexibility for changing educational goals. This service helps families plan for both domestic and international educational expenses.
Private Placement Insurance
Private Placement Insurance solutions offer customized coverage for complex financial situations. We design policies that integrate with estate planning strategies, providing tax-advantaged wealth transfer mechanisms. This service caters to clients with unique international or high-net-worth requirements.
People
David Tao
President
David Tao leads Delta Financial Services with over 10 years of experience at AIG and MetLife. He specializes in connecting clients with tailored financial solutions through strategic carrier partnerships.
Dr. Jin Wang
Senior Managing Director
Dr. Jin Wang combines engineering expertise with financial services experience. He holds licenses in 21 states and specializes in customized insurance planning for domestic and international clients.
Coco Wan
Senior Vice President
Coco Wan brings legal expertise to wealth transfer planning. Her background includes Deloitte consulting and specialized strategies for business owners' tax and succession planning needs.
Fiona Gao
Independent Insurance Broker
Fiona Gao specializes in life insurance solutions for Asian/Chinese clients. With legal and career counseling backgrounds, she develops personalized financial plans for families and high-net-worth individuals.
Questions
What financial planning services do you offer for business owners?
We provide defined benefit plans, executive bonus arrangements, and buy-sell agreements to help business owners with retirement planning and succession strategies.
Do you work with international clients?
Yes, we serve clients globally with expertise in private placement insurance and premium finance solutions for foreign nationals visiting the U.S.
What makes your team qualified to handle complex financial needs?
Our team includes former attorneys, engineers, and CPAs with elite industry certifications like MDRT and TOT, ensuring comprehensive financial expertise.
How do you approach retirement planning?
We create personalized retirement strategies using annuities with lifetime income options and tax-efficient pension defined benefit plans tailored to individual needs.
Can you help with education funding strategies?
Yes, we develop customized education funding plans that balance growth potential with liquidity needs for both domestic and international educational expenses.
What areas do you service?
We operate nationwide with offices in Houston, Los Angeles, San Jose, Washington DC, New York City, and Boston, serving clients remotely across all states.
Reviews (3)
Aj Bibergall
Jun 09, 2020
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Knowledgable and trustworthy. I have used Delta for many years and I always receive great service. I would recommend Delta to anyone.
Titan Freight Lines
May 16, 2020
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Been doing business with them for over a year now. They are good people to work with I won't be going anywhere anytime soon. Thank you guys!
Nermin Isic
Nov 24, 2019
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Great people to work with. I have been with them for years and they have always provided me with the highest level of service in a timely manner.
