Delaware's Independent Fiduciary · Since 2008
Retirement Advice
From Someone on Your Side.
Black Diamond helps Delaware families and retirees plan their biggest money decisions: retirement income, taxes, Social Security, and estate planning. Our CFP® professionals explain your options in plain English.
What's at Stake
The Biggest Retirement Decisions Are the Hardest to Undo.
When to claim Social Security. How much to draw each year. Which accounts to tap first. You usually make these choices once, and they shape your income for decades.
You don't need a crystal ball. You need a clear plan and an advisor who knows the details.
Sources
Bankrate (2023) · Center for Retirement Research at Boston College (2024)
of Americans say they're behind on retirement savings
believe the U.S. faces a retirement crisis
the year we began serving Delaware families and retirees
advisors and client service professionals
How We Work
The Diamond Process
Three steps from where you are to where you want to be. The first one is free.
A 30-Minute Conversation
Tell us where you are and where you want to go. We'll tell you plainly whether we're the right fit. It's free, with no obligation.
Your Written Plan
If we're a fit, we put everything in one document: savings, taxes, insurance, estate, and retirement income. It's written so you can actually use it.
Ongoing Guidance
Markets shift and life changes. We review your plan with you as they do, and you work with an advisor you know by name.
Why Black Diamond
Advice That Starts
With Your Goals.
Maybe you've worked with an advisor who led with a product. Maybe your firm went quiet once the paperwork was signed. Or maybe you've put off getting help because you weren't sure who to trust.
Jeffrey Puglia founded Black Diamond in 2008 to be a different kind of firm: credentialed, local advisors whose work starts with your plan.
Held to the Fiduciary Standard
When we give you advice, we're required to put your interests first.
Local, Start to Finish
Our office is in Rehoboth Beach. Our advisors live in Lewes, Greenwood, Felton, and Wilmington. We know Delaware's tax laws because they're ours too.
Clear at Every Step
We explain your options the way we'd explain them to our own family at the kitchen table.
What We Do
One Plan. Every Piece Working Together.
View All ServicesFinancial Planning
One written plan for cash flow, savings, debt, and investments, so each decision supports the next.
Retirement Planning
How much you can spend, when to claim Social Security, and which accounts to draw from first, planned for the full length of retirement.
Investment Planning
Disciplined portfolios built around your timeline and how much risk you're comfortable with.
Insurance Planning
Coverage for your family, your income, and what you've built, without paying for what you don't need.
Estate Planning
We review your will, trusts, and beneficiary designations so they work together, and we coordinate with your attorney.
Income Tax Planning
Tax planning all year, not just in April, coordinated with your investments and retirement income.
Relocating to Delaware
Retiring to
Southern Delaware?
You've picked a great place to retire: beautiful beaches, real communities, and a tax climate that favors retirees. But a move from out of state brings new tax rules, Sussex County probate requirements, and estate questions your current advisor may not know to ask.
We help families making this move from Pennsylvania, New Jersey, New York, and Maryland. We know the rules here, and we can introduce you to the local attorneys, accountants, and lenders you'll want on your side.
Free Guide
Retirement Planning,
Clearly.
A practical guide to the questions most people don't know to ask, whether you're ten years out or already retired.
What's inside:
- How to estimate your retirement income needs
- When to claim Social Security
- Which accounts to draw from first, and why taxes matter
- Common retirement mistakes to avoid
Community Education
Free Workshops. In Person and Online.
View All EventsJoin us at the Lewes Public Library or on Zoom for practical financial education in plain English. Recent topics include retirement income, Social Security timing, and where to hold which investments.
Will or Trust? Building an Estate Plan That Works for Your Family
Finish the Year Strong
Client Reviews
“Black Diamond Financial is a customer concerned company.They explain to you what plan is best suited for you and explain why.They do not inflate you with false expectations. Every employee is knowledgeable and professional.”
Posted publicly on Google Reviews in February 2026 by a current client.
“Awesome little business. Personal service is exceptional. They listen to your plans/concerns and help you achieve your goals. Cameron Fitzgerald has been great to work with. Highly recommend this financial firm.”
Posted publicly on Google Reviews in September 2025 by a current client.
“Ken is, quite simply, wonderful to work with. He is patient and understanding, and makes investments and planning navigable for me. His calm, forward thinking reassurance is very appreciated in these uncertain times!”
Posted publicly on Google Reviews in February 2026 by a current client.
30 Minutes.
No Pitch.
Sit down with a Black Diamond CFP® professional. We'll listen first and ask good questions. The goal is that you leave with a clearer picture of where you stand, whether or not we work together.
Securities offered through Simplicity Investments (Member FINRA/SIPC). Advisory services offered through BDFS Capital LLC, a Registered Investment Advisor. Not affiliated with Simplicity Investments. Securities services available in DE, FL, MD, MI, NJ, PA.