James, a lifelong resident of Escanaba, Michigan, established Delta Financial, Inc. with the dedication to providing highly customized, fiduciary-driven investment advisory services. His commitment stems from the belief that effective financial guidance requires personalized attention and a disciplined approach. James holds a Masters of Finance from the University of Michigan - Dearborn, with an emphasis on Investments, providing a strong academic foundation for the firm's strategies. Delta Financial's investment philosophy is built on delivering academic and practical portfolio solutions informed by rigorous research and supported by current technologies. James aims to utilize these advancements for efficient portfolio modeling, risk assessment, and transparent client reporting, ensuring a sophisticated and cost-effective management process. His professional experience includes significant tenure as the City Assessor and City Manager for the City of Escanaba. These civic roles fostered a deep understanding of organizational finance and the critical nature of stewardship, leading him to specialize in providing institutional investment services to local non-profits, community organizations, and governments, helping them responsibly manage their assets toward achieving their missions. James resides in Escanaba with his wife, Chelsea.