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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
  • Insurance
    • -Life Insurance
    • -Health Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
    • -Other Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients
    • -Other Portfolio Management


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Maitland Securities, Inc. 1 year, 9 months May 2018 - Present
Greenleaf Advisory, LLC 4 years, 4 months Oct 2015 - Present
Aegis Wealth Management Financial Group 4 years, 7 months Jul 2015 - Present
Tuscan Gardens Senior Living 7 years, 4 months Oct 2012 - Present
Delta Capital Management LLC 16 years, 5 months Oct 2003 - Present
Delta Advisory Group, Inc. 17 years, 9 months Jun 2002 - Present

Designations & Memberships

  • Chartered Financial Analyst
    Chartered Financial Analyst
    Widely considered the gold standard for investment professionals, this six decade old charter is only given to designees who can demonstrate competence, integrity, and dedication to the field of investment management.

Articles and Answers

Insights by Sean Casterline

There are no insights for this advisor to display at this time.


Ask a financial questionAsk a question
Selling mutual fund shares in order to invest in ETFs or a Target Date Fund?
ETF's typically offer lower fees than their open ended counter parts (mutual funds). However, you still have to choose WHICH ETF's to buy. The industry has sold ETF's as the "cure all" to high mutual fund fees. But, investors are still left trying to pick the correct ETF's and all ETF's are not c...  (more)
Answered Apr 2012
What Do You Think About Penny Stocks?
Historical research shows that 85% of stocks trading below $2 eventually go away. That said, you have a 15% chance of even coming away with ANYTHING. Would you go to a casino that gave you 15% odds? That's probably a bad example with the luck I had the last cruise I was on (ha)....  (more)
Answered Apr 2012
Should I keep my portfolio with Fidelity or move my funds to a Vanguard target fund in order to preserve principal, maximize return and lower fund advisory fees?
Peter,One point that hasn't been addressed is that there's a "fatal flaw" as it applies to Target Date funds in that they will be loading up on bonds, the older you get. Because of your age, this comes at a time when interest rates are at an all-time low and bonds have been in one of the greatest ...  (more)
Answered Mar 2013
Where can I find options of lost-cost 401k plans to suggest to my employer?
Often times, companies like Paychex and ADP will offer low cost plans almost as loss leaders, because they want a shot of getting ALL of a companies benefits. Our firm uses Paychex/Eplan as they offer a very strong mutual fund platform for us to build for our participants. Paychex acts as the cust...  (more)
Answered Jun 2012
Can a broker be a 3(21) or 3(38) plan fiduciary?
In theory, a broker could be a 338 fiduciary. However, in most cases, the firm won't allow it. Futher, because of the nature of their plan offering they're typically unable to act as a full 338 fiduciary. In most cases, brokers offer their clients commissioned-based plans through company's like J...  (more)
Answered Sep 2012
Can you short an ETF?
In reality, it depends on whether your broker has, or can get, the shares to loan you for the short sale. Generally speaking, ETF's that trade heavy volume (i.e. SPY, QQQ) are shortable. However, thinly traded ETF's are typically NOT shortable....  (more)
Answered Mar 2012
I have a ROTH IRA and now my employer offers a 401k. I can't afford to put money in both. Which should I choose?
Also check to see if your plan has a ROTH contribution option. If so, you can put up to $17,500 into the ROTH side of your 401K plan, plus another $5,500 if you're over 50. As well, there are no income phase outs. Any company matches would go to the pre-tax side. If your company doesn't have thi...  (more)
Answered Feb 2014
Why should I invest in bonds when the typical return is lower than stocks?
Actually, bond PRICES tend to lead stock prices. It makes intuitive sense; if bond prices are moving higher, it typically means rates are going lower. Lower rates are conducive to economic growth and stocks typically follow bond prices for that reason. Another point I would bring up is that we ar...  (more)
Answered Apr 2012
If interest rates increase, should I consider a Zero-Coupon bond?
No, zero's will only add more volatility to your portfolio in a rising interest rate environment. There are two concepts to consider for investment in fixed income in a rising interest rate enviornemnt:Variable rate payouts - You can invest in variable rate bonds, bank note funds/ETF's or step-u...  (more)
Answered Mar 2012
How do I find out all the hidden fees & expenses I am paying in my employer sponsored 401K plan?
Hey Nick,The simplest way to uncover the fees in your plan is to ask for the 408b2 disclosure for 2012. You should have received it from your employer, but you may not have realized what it was. As of 2012, the DOL requires all plans to breakdown and disclose the fees within the plan through this...  (more)
Answered Feb 2013
When you research stocks, how important is P/E?
Historical research has shown that the most predictive measure of value for a stock is the P/E ratio. In other words, low P/E stocks tend to outperform high P/E stocks over most major market cycles. That being the case, the P/E ratio is definitely worth considering.Another metric we use is the PE...  (more)
Answered Mar 2012
How do I get my 401k from an employer I'm no longer employed with?
You need to contact the plan administrator for the plan and get a distribution form directly from them. From there, you have multiple options on how to distribute the funds. I recommend consulting your financial adviser prior to distributing the funds. ...  (more)
Answered Jan 2015
As a young professional starting a new career, what would you recommend a Roth IRA or IRA?
The nice thing about the ROTH 401K is that it also allows you to manage how much taxable income you receive once you retire. We typically recommend having at least SOME of your contributions going into the ROTH side. ...  (more)
Answered Dec 2015
How much money do I need to retire?
It typically takes 15-18% contributions to your plan to replace 80% of your income in retirement. ...  (more)
Answered Dec 2015
I have 100% of my retirement money in a target date fund. Do you consider that diversified enough or not?
Target date funds are nice because they're easy. But, they also have a fixed glide path. If you're near retirement, you may want to evaluate the bond positions in the target date fund, as we should soon be in a rising rate environment, which is bad for bonds. ...  (more)
Answered Dec 2015
How is it possible to lose $14K in 8 months when the Dow is only 200 points when you're supposed to be mitigating risks?
I agree with the above answers and would add that it sounds like you are more "LOSS" averse, than "RISK" averse. This tells me right off the top that you are currently taking more risk than you're willing to accept. ...  (more)
Answered Dec 2015
Who offers the best 401k options and lowest fees in the industry currently?
The easy answer is Vanguard. You can go direct and they offer a strong array of funds. For a lot of reasons, many of which have been outlined above, we typically like to bring Vanguard and DFA (low cost) funds into our open arch platform with groups like John Hancock and Fidelity as these companie...  (more)
Answered Sep 2016
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
    • disclosures
    • as of date
      Jan 23, 2019
    • license status
    • disclosures
    • as of date
      Jan 23, 2019
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



    Last updated on Jan. 24, 2019
      • $103.0M
        Total Assets Under Management
      • $0
        Total Assets Under Advisement
      • 200
        number of clients
      • $515.2K
        Estimated Average Account Balance Per Client

    Delta Capital Management, LLC

    Last updated on March 31, 2019
      • $88.2M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 526
      • $167.8K
        Estimated Average Account Balance


    Fee Only Advisor
    This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

    Types of Compensation Arrangements