Our Services
Investment Planning
Evidence-Based Portfolios. Tax-Efficient by Design.
Black Diamond builds investment portfolios on a simple discipline: stop guessing about the market. Decades of academic research support diversified, low-cost, tax-efficient portfolios over attempts to time the market or pick winners. That's the approach we use for every client.
Our process starts with the questions that decide everything else — your goals, your time horizon, your tax situation, and the level of risk you can actually live with through a real market drawdown. From there, we construct a portfolio that matches your plan, not a model. Every account is held at Charles Schwab with full online transparency, so you can see what we're doing at any moment.
How We Can Help
Client Case Study
Ray & Diane
Ages: 66 & 64
Key Concerns:
- Four accounts and no single picture
- A tax bill in a year the market fell
- Whether they were as diversified as it looked
Ray and Diane retired holding three old employer plans and a taxable account inherited from Diane's mother — four statements, four logins, and no way to see what they actually owned between them. What prompted the call was a capital-gains distribution that arrived in a year their balances had gone down: nobody had explained that a fund manager's trades inside a fund create a taxable event whether or not you sell a share. Black Diamond started by assembling one picture instead of four, then looked at what the overlap between those funds meant for their real exposure, and at how account location was shaping what they owed each year. Less about picking investments than about being able to see them.
Please Note: The above Case Study is hypothetical and does not involve an actual client. Clients and prospective clients could experience different results while engaged with BDFS Capital.
Ready to Talk?
Schedule a free 30-minute conversation with a Black Diamond CFP® professional. No paperwork, no pitch.
Schedule a Free Consultation (302) 265-2236Client Review
“Working with Derrick Diksa was flawless! He was extremely professional, treated me with respect, and really listened to my concerns. He presented me with several options, thoroughly explaining each one, and I am very happy with the outcome. I would not hesitate to use Derrick again for other needs as they arise and wholeheartedly recommend him! Thank you, Derrick!”
Posted publicly on Google Reviews in August 2025 by a current client.
Other Services
Common Questions
Investment Planning — Common Questions
Do you try to time the market?
No. We build diversified, low-cost, tax-efficient portfolios and let them work. Decades of academic research support this approach over attempts to predict short-term market moves.
Where are my investments held?
At Charles Schwab as custodian. Your accounts are in your name. You see balances, transactions, and our reporting through Schwab's online portal at any time.
How do you decide my asset allocation?
Through a conversation about your goals, your time horizon, your tax situation, and the level of market volatility you can actually live with. We use Riskalyze as one input, but the conversation matters more than the questionnaire.