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Trust Uncompromised

Fiduciaries first, Fiduciaries always


Delaware's first fee-only financial planning and investment advisory firm

Why S + D?

Conflict free

Ethics are a really big deal to us. Established in 1983, we were the first fee-only and fiduciary-based firm in Delaware. As fiduciaries, we do not receive commissions, bonuses, rewards or other compensations as a result of any recommendation. Unlike banks and brokerage firms, we have no proprietary products to sell (mutual funds, wrap accounts, mortgages, bank accounts / loans, insurance policies, etc.) Also, we are 100% privately owned, which means that we do not answer to corporate owners who structure compensation to maximize profits at your expense. Our recommendations will always be made from a position of complete independence and objectivity. You come first, always.

Comprehensive

We want to be the first call anytime you have a financial concern. Our services are designed to be all encompassing, meaning that we will assist you in meeting a full spectrum of financial planning needs. From in-depth tax, estate, investment and retirement planning to meeting with adult children or your professional team, we are in your corner.

Competent

Our professional team has a combined experience of over a century with a myriad of professional designations and a continued commitment to learning. We not only have thorough knowledge of personal finance, but also excel in helping clients make pivotal changes to their financial habits that lead to a more rewarding life. In our experience, it is not enough to just understand the numbers. It’s just as important to understand the emotions surrounding your decision making process and properly frame the trade-offs of time, money, and happiness, to ensure consistency with your goals.

Caring

We emphasize the “personal” in personal financial planning. Every member of our team is personally and emotionally invested in your success and we want to be a helping hand and your advocate wherever you need one. It is our pleasure and commitment to get to know you and your unique situation. Doing so helps us to help you navigate the twists and turns of your financial and life journey. It’s not just business, it’s personal.

Conviction

We understand that it is ultimately your decision to follow any of our recommendations. Be assured that our advice is the result of a thorough and careful analysis of your resources and objectives and backed by extensive education, thirty-five years of experience and a proven level of professional judgment. If we believe that your decisions will negatively impact your financial future we will not hesitate to tell you so. 

As an example, our investment recommendations often run contrary to the latest, most popular investment trends or gimmicks. Doing so takes discipline and patience. To paraphrase Jean-Marie Evelliard, one of the most highly successful money managers of all time, “We would rather lose half of our clients, than lose half of our client’s money”, by following the herd.

Quality, not quantity of relationships

Our Low Client to Advisor Ratio = Exceptional Service

Our Services

Financial Planning

Our financial planning process is designed to maximize your resources and protect you and your family from the financial impact of life’s uncertainties. We start with an in-depth review of every aspect of your financial life. Our advisors use leading edge technology while performing these reviews to, for example, evaluate investment risk and the impact of longevity on financial resources.

The planning process includes recommendations to more closely align your investment portfolio with your resources and needs. Existing tax laws are taken into consideration when assigning recommended investments to available accounts. Portfolios are monitored and changes made to mitigate risks and to take advantage of developing opportunities.

Investment Management

We strongly believe in the benefits of coordinated financial planning for individuals and families.  Some entities however, such as businesses with retirement plans, charities, and foundations, have a need for objective assistance with the oversight of investments over which they have stewardship responsibilities.

Our investment experience and expertise allows us to design and manage portfolios aligned with the missions and needs of these organizations.

 Helping families navigate their finances for generations.

Our Team

Vincent A. Schiavi, CFP®, CPA, PFS Photo

Vincent A. Schiavi, CFP®, CPA, PFS

Founder and President
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Vincent A. Schiavi, CFP®, CPA/PFS is the founder and President of Schiavi + Dattani, Delaware’s first fee-only financial planning firm.

Worth Magazine selected Vincent several times as one of the top financial advisors in the country, including the original list of the top 60 in 1994. Mutual Funds Magazine recognized Vincent as one of the top 100 financial planners in the country in 2002.

In 2004, Vincent received the “Friend of the Delaware Investor Award” by the State of Delaware’s Department of Justice and Securities Division. In 2005, Vincent received the coveted Business and Economics Alumni Award of Excellence from the University of Delaware for career achievement, contribution to the business field, contributions to the community and commitment to excellence.

Prior to establishing the firm in 1983, Vincent was employed by Arthur Young & Company (now Ernst & Young) and Hewlett Packard.

Vincent is a Certified Financial Planner™ practitioner, a Certified Public Accountant and a Personal Financial Specialist. He is a member of the Financial Planning Association, the American Institute of Certified Public Accountants, the Delaware Society of CPA’s and the National Association of Personal Financial Advisors (NAPFA). Vincent was one of NAPFA’s original members. The organization is now considered by many commentators to be the premier organization of fee-only financial advisors in the country.

Vincent’s previous community service includes: the Financial Literacy Committee of the Delaware Society of CPAs and volunteer coach for various youth basketball and baseball teams. He presently serves on finance and investment committees for two non-profit organizations.

Vincent is a graduate of Salesianum High School and the University of Delaware, where he earned a Bachelor of Science degree in Accounting with honors. Vincent is also a member of Beta Gamma Sigma, the National Honor Society for Business and Management.

Ravi P. Dattani, CFP®, CPA Photo

Ravi P. Dattani, CFP®, CPA

Principal
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Ravi is a seasoned financial planning professional with an extensive background in investment research, tax planning, real estate, financial technology and operations.

Prior to joining Schiavi + Dattani in 1998, Ravi worked in public accounting and real estate investment and valuation. He earned his bachelor’s degree in accounting and business administration, with a concentration in finance from the University of Delaware. In 2008, Worth Magazine selected Ravi as one of the top financial advisors in the country.

Ravi uses his experiences to cater not only to his clients’ needs but also as a board member for Staff One, Inc. and for a non-profit organization that provides support to developmentally disabled individuals in the Northeast region.

Karen R. Malchione, CPA Photo

Karen R. Malchione, CPA

Vice President
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Karen attended the University of Delaware where she earned her bachelor’s degree in accounting. Prior to joining Schiavi + Dattani in 1998, she worked at a public accounting firm for eleven years and now contributes to financial plan preparation, ongoing plan management, quarterly financial planning and investment reviews.

Karen volunteers her time with Newport Rowing Club and a Chester County works of mercy ministry. She has served as treasurer of a youth all-star cheerleading organization.

Ryan Cross, CFP® Photo

Ryan Cross, CFP®

Vice President
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Ryan has a diverse knowledge of the financial services industry stemming from his experience managing multiple operational functions, the creation of retail investment products, and serving as a relationship manager for over 200 private banking clients.

Ryan graduated from the University of Delaware where he earned a bachelor’s degree in business administration with a concentration in marketing. In 2005, Ryan joined Schiavi + Dattani to assist with financial plan preparation, ongoing plan management, quarterly financial planning and investment reviews.

John C. Melasecca III, CFP® Photo

John C. Melasecca III, CFP®

Vice President
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John is a Vice President with responsibilities that include working with clients on all aspects of financial plan preparation, ongoing plan management, and investment reviews. He joined Schiavi + Dattani in 2018.

John is a native Delawarean, with over 20 years of financial planning and investment management experience. He began his career in financial services in 1996 at MetLife, then joined The Vanguard Group in 1998, working solely with high net worth clients and managing a team of financial representatives. In 2005 he joined Fidelity Investments as a Vice President, Senior Financial Consultant in the Private Client Group based out of the Wilmington/Greenville DE branch. 

John is a graduate of Salesianum High School and Goldey-Beacom College where he earned a Bachelor of Science degree in Business Administration. John is also a Certified Financial Planner™ practitioner and has helped hundreds of individuals and families in the Delaware Valley, and specifically with current and retired employees of some of the largest employers in the area such as Agilent, AstraZeneca, DuPont, Dow, Chemours, GM, Comcast, BMS, LynondellBasell, IBM, Pfizer, Merck, Verizon, WL Gore and the University of Delaware. 

John resides in the Hockessin area with his wife and two daughters, and in his spare time enjoys the outdoors and cooking large meals with his family and friends.  He and his family have supported many charities in the area, and John was the 2010 winner of The Leukemia & Lymphoma Society’s Man of the Year fundraising event.

Amit A. Suchak Photo

Amit A. Suchak

Financial Analyst
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Amit earned a bachelor’s degree in accounting from the University of Delaware before joining Schiavi + Dattani in 2007. His responsibilities include downloading and tracking daily investment activity from Fidelity, gathering accurate data for the production of quarterly reports and office operations.

Amit is originally from Tanzania, East Africa and immigrated to America in 2001. He recently became a U.S. citizen and now resides in Wilmington, Delaware.

Heather Margolin Photo

Heather Margolin

Paraplanner
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Heather joined Schiavi + Dattani in 2017 as a Paraplanner.  She assists senior advisors with the preparation of financial plans and other administrative projects.  Heather graduated from the University of Delaware with a Bachelor of Science in Business Administration and a minor in Economics.  She is an Accredited Asset Management SpecialistSM and is currently studying for the Certified Financial PlannerTM exam.  Heather enjoys volunteering with her congregation as a member of the endowment committee and treasurer of the women’s group, and recently served as co-chair of a legacy giving program. 

Heidi O’Malley Photo

Heidi O’Malley

Support Staff
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Heidi is a graduate of the University of Delaware where she earned a bachelor’s degree in business administration, with a concentration in marketing. Heidi joined the firm in 2011 after working in the banking industry for a number of years. She currently focuses on providing administrative and support at Schiavi + Dattani.

In Heidi’s free time, she is an active community volunteer at an outreach ministry in West Chester, Pennsylvania.

Katherine L. Madden Photo

Katherine L. Madden

Support Staff
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Kate is known around the office for her warm and approachable attitude that is very much appreciated by clients, visitors and staff while assisting in an administrative capacity. Prior to joining Schiavi + Dattani in 2012, she attended the Art Institute of Philadelphia and the University of Delaware majoring in fashion marketing.

Kate spends her time outside the office indulging in all things culinary related and maintaining her physical fitness.

FAQs

What do you mean when you say you do financial planning? What does that entail, exactly?
What is your approach to managing money?
How does your service differ from what I could receive from advisors at banks, brokerages, insurance companies, or so-called independent advisors with dual registrations?
Why should we hire you instead of someone else?
What is a fiduciary and why is that important?
Is there a difference between Fee-Only and Fee-Based?
How do you charge for your services?
Do you have a minimum level of assets that you need to work with in order for me to become a client of Schiavi + Dattani?
Shouldn’t we spread our investments among a few advisors?
Why do smart people make big money mistakes?
Okay, we’re interested. How do we start the process?


Let's Get Started

Case Studies

Robert - Selling the Business
Mary and Joe - A Couple At Retirement's Doorstep
Jim and Ellen - Business Owners
Victoria - Recently Widowed

Client Center

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