About DeLuca Financial Planning
A planning-first advisory firm built around clarity, thoughtful decision-making, and long-term alignment.
DeLuca Financial Planning, LLC is a Pennsylvania-registered investment adviser providing financial planning and investment advisory services to individuals and families.
About the Firm
A fee-only fiduciary firm providing planning-first advice, led by Tom DeLuca, a CFP® professional.
We are a fee-only firm and do not receive commissions or compensation for recommending products or services. As a fiduciary, we are obligated to act in your best interest at all times.
Our approach is planning-first. Investment decisions are made in the context of a broader financial plan, with an emphasis on clarity, coordination, and long-term alignment.
We offer varying levels of service to meet clients where they are, and believe each client’s situation, priorities, and goals are unique.
We work with clients in person and virtually, depending on their preferences and needs.
How We Think
Investment markets are shared. Financial decisions are personal.
Today, investors have access to diversified, low-cost portfolios through mutual funds and ETFs. That’s a positive development—it allows individuals to participate in the market without unnecessary complexity or cost.
But financial planning operates in a different context.
There is no index fund for your taxes. No algorithm that fully understands your priorities. And no one-size-fits-all solution for the tradeoffs that shape your life.
Investing benefits from scale. Planning, at its best, is personal.
We believe the value of financial planning comes from making clear, thoughtful decisions across all areas of your financial life—and understanding how those decisions interact over time.
That includes knowing when to optimize, when to simplify, and when to prioritize something other than the mathematically “best” outcome.
Planning isn’t about working toward a predefined outcome—it’s about understanding what matters to you and building a plan designed to move you toward it.
Because in practice, the most effective plan isn’t the one that looks perfect on paper—it’s the one that reflects your priorities and that you can follow consistently over time.
About Tom DeLuca
Thomas J. DeLuca, CFP®
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.
Before starting the firm, I worked at Vanguard, studying investor behavior and how financial decisions are made. Analyzing the decisions of millions of investors meant working with assumptions.
I’ve seen firsthand how quickly those assumptions can break down when life gets involved.
That experience reinforced an important reality: while broad assumptions can be made based on factors like age or wealth, real financial decisions are far more personal and nuanced.
Before entering financial services, I served in the United States Air Force, where I developed a structured approach to problem-solving and decision-making under uncertainty—an approach that continues to shape how I work with clients today.
I earned my bachelor’s degree from Cornell University, an MBA with a concentration in Finance from the Kellogg School of Management, and I am a CFP® professional.
But it’s not just my professional background that shapes how I approach financial planning. My perspective has also been shaped by life outside of work—most importantly, as a parent.
I work directly with every client and take a collaborative approach to planning—listening first, understanding your goals, and helping you navigate decisions over time.
Start the Conversation
If you’re looking for thoughtful, personalized financial guidance, we’d be glad to connect.