Business Details
Your Trusted Financial Advisers in Houston, TX
At Delta Financial Services, we are dedicated to delivering personalized financial solutions through a team of seasoned professionals with diverse expertise in law, accounting, and insurance. Our leadership includes industry veterans with decades of experience at major financial institutions like AIG and MetLife, bringing deep knowledge of life insurance, annuities, and tax-efficient planning strategies. We specialize in serving families, business owners, and high-net-worth individuals with customized approaches to retirement funding, wealth transfer, and business continuity planning. Our nationwide presence across Houston, New York, Washington DC, and other major cities allows us to serve clients both domestically and internationally, including foreign nationals visiting the U.S. on B1/B2 visas. Our team holds prestigious industry recognitions such as Million Dollar Round Table Top of the Table membership, reflecting our commitment to excellence.We leverage partnerships with leading insurance carriers like AIG, Prudential, and MassMutual to provide comprehensive solutions tailored to individual client needs. Our services extend beyond personal financial planning to include specialized programs for business owners, such as defined benefit plans and executive bonus structures. With multilingual capabilities and remote service options, we ensure accessibility for diverse client populations. Our professionals combine technical expertise with practical experience, including backgrounds in engineering, criminal justice, and legal practice, to deliver holistic financial strategies. Through continuous innovation and client-focused service, we aim to build long-term relationships based on trust and measurable results.
Services
Pension Defined Benefits
Disability Income Protection
Retirement Funding
Annuity with Lifetime Income
Living Benefits
Premium Finance Insurance
Customized Financial Planning
Business Legacy Planning
Executive Bonus Planning
Buy & Sell Planning
Highlights and features
- We offer decades of combined experience from AIG and MetLife alumni
- Our team provides customized solutions for business owners and high-net-worth clients
- We operate nationwide with multilingual capabilities and remote service options
- Our professionals hold MDRT Top of the Table industry recognitions
- We specialize in tax-efficient planning and business continuity strategies
Services
Pension Defined Benefits
Our Pension Defined Benefits plans provide structured retirement solutions with guaranteed income streams. We help business owners implement tax-advantaged plans that offer predictable payouts during retirement while optimizing current-year deductions. Our customized approach ensures alignment with both personal financial goals and corporate objectives.
Disability Income Protection
Disability Income Protection safeguards earning potential through comprehensive coverage that replaces income during unexpected disabilities. We design policies tailored to individual professions and financial circumstances, ensuring continued cash flow for essential expenses while maintaining tax efficiency and long-term financial stability.
Premium Finance Insurance
Premium Finance Insurance solutions enable clients to fund large insurance policies through structured financing arrangements. We facilitate access to specialized financing options for high-value life insurance and annuity products, helping clients maintain coverage while preserving liquid capital for other investment opportunities or business needs.
Business Legacy Planning
Business Legacy Planning ensures smooth ownership transitions through customized strategies that protect company value. We develop comprehensive plans addressing buy-sell agreements, executive compensation structures, and wealth transfer mechanisms that maintain business continuity while minimizing tax liabilities and legal complexities.
Customized Financial Planning
Customized Financial Planning creates holistic strategies addressing unique client circumstances. Our approach integrates retirement planning, education funding, tax optimization, and estate preservation techniques tailored to individual risk profiles, financial goals, and life stages across diverse personal and business scenarios.
People
David Tao
President
David Tao founded Delta Financial Services with a vision to provide personalized financial solutions. As former AIG Regional Vice President, he brings 20+ years of experience in life insurance sales and financial planning across major U.S. markets.
Dr. Jin Wang
Senior Managing Director
Dr. Jin Wang combines engineering expertise with financial services experience. Holding insurance licenses in 21 states, he specializes in customized insurance planning and private placement solutions for high-net-worth clients across the U.S. and internationally.
Coco Wan
Senior Vice President
Coco Wan offers legal and financial expertise in estate planning. With master's degrees in criminal justice and computer forensics, she develops wealth transfer strategies for business owners and high-net-worth individuals through irrevocable trusts and charitable planning vehicles.
Fiona Gao
Independent Insurance Broker
Fiona Gao specializes in life insurance and annuity products for Asian/Chinese clients. With legal and career counseling backgrounds, she provides tailored financial planning solutions for U.S. residents and international clients seeking asset protection and wealth preservation.
Questions
What financial services do you specialize in?
We specialize in retirement planning, life insurance, annuities, disability protection, and business succession planning. Our team creates customized solutions for families, business owners, and high-net-worth individuals.
How do you customize financial plans for clients?
We analyze individual financial situations, goals, and risk tolerance levels. Our professionals combine insurance products, tax strategies, and investment approaches tailored to each client's unique circumstances and life stage.
Do you serve clients outside the United States?
Yes, we work with international clients including foreign nationals visiting the U.S. on B1/B2 visas. Our team provides remote financial planning services and collaborates with global insurance carriers to meet diverse client needs.
What qualifications do your advisors hold?
Our team includes Million Dollar Round Table Top of the Table members with advanced degrees in law, engineering, and criminal justice. Advisors have decades of experience at major financial institutions like AIG and MetLife.
