# Michael Staman > Michael Staman is a fee-only financial advisor at Delaware Financial Planning in Newark, Delaware, who holds the AWMA, CAP and CFP credentials. Michael charges a subscription, a one-time planning fee and hourly fees (ongoing planning from $5,400 a year and one-time plans from $4,000) and focuses on tax planning, retirement planning and estate & legacy planning. Page: https://find.wellspent.co/advisors/michael-staman/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** Delaware Financial Planning - **Based in:** Newark, Delaware - **Fee model:** Subscription; One-time planning fee; Hourly - **Fees (firm's website):** ongoing planning from $5,400 a year; one-time plans from $4,000; $450 an hour - **Fees (Advice-Only Network profile):** subscription from $500 a month; one-time plans from $5,500; $450 an hour - **Works virtually:** Yes (firm's website) - **Accepting new clients:** Yes (firm's website) - **Credentials:** AWMA, CAP, CFP, MPAS, MSPFP, TPCP - **Specialties:** Tax planning, Retirement planning, Estate & legacy planning, Flat-fee planning, Equity compensation - **Works with:** Pre-retirees, High earners, Retirees - **CRD:** 2977478 (https://adviserinfo.sec.gov/individual/summary/2977478) - **SEC registration:** Investment adviser representative in DE, MD, PA, TX - **Exams passed:** Series 63 (1998), Series 66 (2004) - **Firm size:** 1 employee - **Disclosures:** Reported; see the SEC record - **Website:** https://del-finplan.com ## About Mike Staman founded Delaware Financial Planning to be the firm he would hire himself, with flat, transparent pricing and deep-dive planning. He serves mid- to late-career corporate and nonprofit professionals and has more than 25 years of experience working with hundreds of families. Mike starts with each client's biggest concerns, then works across retirement, investments and taxes, and over time estate plans, insurance and employee benefits. He especially enjoys helping philanthropic clients with charitable giving, and he favors simple, low-cost, passive investing. Ongoing work usually starts with a $2,500 fee plus $475 a month; projects typically run $4,500 to $6,500. He meets mostly virtually and especially likes working with people in Northern Delaware and southeastern Pennsylvania. A CFP® professional with AEP®, TPCP® and CAP® designations and a master's in personal financial planning, he lives in Newark, Delaware, with his wife Maria and their three children. ## Frequently asked questions ### Is Michael Staman a fee-only financial advisor? Yes. Michael Staman is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Michael's firm. ### How does Michael charge for financial advice? Michael charges a subscription, a one-time planning fee and hourly fees. ### How much does Michael charge? According to Delaware Financial Planning's website, checked October 28, 2026: ongoing planning from $5,400 a year; one-time plans from $4,000; $450 an hour. ### Does Michael work with clients virtually? Yes. Delaware Financial Planning says on its website that it works with clients remotely. ### Where is Michael Staman based? Michael Staman is based in Newark, Delaware. ### What does Michael specialize in? Michael's specialties include tax planning, retirement planning, estate & legacy planning, flat-fee planning and equity compensation. Michael works with pre-retirees, high earners and retirees. ### What credentials does Michael Staman hold? Michael Staman holds the AWMA, CAP, CFP, MPAS, MSPFP and TPCP credentials. ### Is Michael Staman registered with the SEC? Yes. Michael Staman is registered as an investment adviser representative in DE, MD, PA and TX (CRD 2977478), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. The record lists disclosures; see the SEC record for details. ### How do I contact Michael Staman? Through Michael's website, del-finplan.com. ## Sources - NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/49701): NAPFA admits only fee-only advisors - Advice-Only Network listing: advice-only practices, no product sales - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026 - The firm's website (https://delawarefinancialplanner.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.