A thoughtful plan.
A portfolio that supports it.
Investment management matters—and it should be done well.
But the most important financial decisions go beyond investments.
Who We Are
A fee-only fiduciary firm providing planning-first advice, led by Tom DeLuca, a CFP® professional.
I founded DeLuca Financial Planning to offer a more thoughtful, planning-focused approach to financial advice—one centered on the individual, not just the portfolio.
We are a fee-only fiduciary firm, meaning we do not receive commissions and are obligated to act in your best interest at all times.
I work directly with every client, using a collaborative approach grounded in each client’s priorities and circumstances.
Thomas J. DeLuca, CFP®
How We Think
Investment markets are shared. Financial decisions are personal.
Investment management benefits from scale. Today, anyone can access diversified, low-cost investment portfolios through mutual funds and ETFs.
That’s a good thing.
But there’s no equivalent for financial planning.
Because a plan only works if it reflects your priorities, goals, and the life you want to live.
Who We Work With
We work with individuals and families who want clarity, structure, and thoughtful guidance—and a portfolio they can stick with.
You don’t need to reach a certain asset level to begin—just a desire to make thoughtful, informed decisions.
What We Do
We provide financial planning and investment advisory services designed around your situation, your goals, and how you make decisions.
Project-Based Financial Planning
For those who want advice now—without committing to an ongoing relationship.
Ongoing Financial Planning
For those who want continued guidance, coordination, and a long-term planning relationship—while maintaining full control over their investment accounts.
Investment Advisory Services
For those who want support implementing and managing their investment strategy, alongside the broader benefits of ongoing planning.
Fees & Transparency
Our goal is simple: clear, transparent pricing with no surprises.
We are a fee-only advisory firm. We do not receive commissions or compensation for recommending products.
Fees are clearly defined in advance and depend on the scope and complexity of the work, as well as the nature of the relationship.
A Human Approach to Advice
Technology has made investing easier. The most important decisions remain distinctly human.
We believe there is real value in working with someone who understands your situation, can challenge your thinking when needed, and helps you navigate decisions as they arise.
We also recognize that different people prefer to work in different ways. That’s why meetings are available in person or virtually—on your terms.
Our office is conveniently located near Paoli Station in Paoli, PA.
Please note that the office is located on the second floor and is accessible by stairs. For those who prefer or require it, virtual meetings are always available and fully supported.
Start the Conversation
If you’re looking for thoughtful, personalized financial guidance—whether you’re just getting started or further along—we’re here to help.