Delta has been in business since 1989. We provide our clients with investment advisory services consisting primarily of ongoing, discretionary asset management through use of equity, fixed income and balanced (between equity securities such as stocks, fixed income securities such as municipal and government bonds and exchange traded mutual funds) portfolios. Our services and processes are designed to determine and address each client’s specific investment needs through formulation of an asset allocation strategy tailored to meet the client’s investment circumstances, objectives, time horizon objectives and risk tolerance. You may also impose restrictions on our ability to implement particular types of investments on your behalf if that is your preference. We maintain a model portfolio which we use as an allocation guide for managing our clients’ accounts and in determining when to sell a particular security in a client’s account taking into account the client’s specific investment and tax considerations. Our model portfolio may limit the total number of individual securities held by our clients although a client’s account may be composed of securities not included in our model portfolio depending upon the client’s specific investment needs. We can also provide a financial plan at no additional cost. We do not provide legal, tax or accounting advice or services and you should not assume that we are providing you such services at any time. Also, you should understand that, generally speaking, securities or other investments for which we provide advice to you are not deposits or obligations of any bank, are not endorsed or guaranteed by any bank and are not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other governmental agency and that neither Delta nor any of its affiliated companies is a trust or banking institution. Delta has entered into “wrap fee” arrangements sponsored by LPL Financial

Corporation, which is unaffiliated with Delta. Under a wrap fee arrangement, a brokerage firm may recommend retention of Delta to manage all or a portion of your assets; pay us our fee for our services; monitor and evaluate our services in managing your assets; execute securities transactions which we implement on your behalf; and provide you with custodial services for your assets, or the brokerage firm may provide any combination of these services, for a set fee to be paid by you to the brokerage firm. Under a wrap fee arrangement, your assets would be managed by us in the same manner as assets managed by us for our clients not in a wrap fee arrangement although this would be subject to your particular investment needs and objectives and we may have limited or minimal contact with you where the brokerage firm maintains the direct and primary relationship with you. You should understand that, depending upon the amount of the wrap fee the brokerage firm charges you, the number of securities transactions in your account, the value of custodial or other services you will receive under the arrangement, the amount of the wrap fee may or may not be less than the total cost for such services added together if you obtained them separately and therefore such arrangements may not be suitable for all clients based on the client’s individual financial circumstances and investment goals. You can find more specific information on each wrap fee arrangement in the Wrap Fee Program Brochure which should be available to you from the wrap fee arrangement sponsor. Delta does not act as a sponsor of any wrap fee arrangements. The principal owners of Delta are Myron Mall, Managing Director; Edward Taylor, Managing Director; David Smith, Managing Director and Hightower Advisors, LLC. The amount of client assets we manage as of December 31, 2023 on a discretionary basis and non‐discretionary basis is $1,376,909,994 and $4,889,612, respectively.