Derek J. Delaney, CFP®, ChFC®, EA

Wealth Management and Planning Services for Aspiring Retirees.

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PharmD Financial Planning LLC Derek J. Delaney, CFP®, ChFC®, EA
Owatonna, MN

Serving Clients Nationwide

Wealth Management and Planning Services for Aspiring Retirees.

11 Certified Advisor Reviews™
5 out of 5 Stars
Rate this Advisor

Areas of Focus

  • Estate Planning
  • Investment Management
  • Retirement Planning
  • Tax-Smart Accumulation Planning
  • Tax-Smart Distribution Planning

About Derek J. Delaney, CFP®, ChFC®, EA

Hi, I'm Derek Delaney, the founder and lead fee-only financial planner at PharmD Financial Planning located in Owatonna, MN.

I'm not like most financial advisors. It's not my goal to gather your assets or to sell you products. Instead, my focus is helping you plan for those big milestones in life. To do this, I developed the "Tax-Smart Retirement Planning Process."

I specialize in working with mid-career professionals and pre-retirees, using my customized process as our source of navigation.

The result? Freedom from worrying about the future, so you can enjoy more of today.

Partnering with you to create a strategic plan that makes the most of your opportunities is at the core of what I do. I’m here to guide you as you navigate all the ups and downs of your financial lives.

I believe that financial planning, when done correctly, can make a tremendous positive impact in people’s lives. I am given the opportunity to help clients address some of their most intricate issues that revolve around money. The mutual trust and commitment we build together is both very gratifying and professionally fulfilling.

I’m proud to proactively look out for my clients, so they don’t have to themselves and can instead spend their free time focused on their lives, with peace of mind.

I am located south of Minneapolis MN and work with clients locally and across the country.

Whatever your vision of financial success is, I've got the expertise, creativity, and solutions to get you there. I look forward to our work together!

What I Do Outside of Work:

I am married to a pharmacist, Kortney Delaney (a South Dakota State alumna), and we have two young kids, Ben and Hannah. As a young family of 4 living in Minnesota, we spend as much time as we can outside when the weather allows. From April to October, we often frequent the local parks and playgrounds. We also enjoy bonfires at home, board games and spending time with grandparents.

I enjoy staying active, whether through running, golfing or simply pulling a wagon for my kids around our neighborhood. I also enjoy attending live sporting and musical events with friends.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER™ Professional
  • Chartered Financial Consultant (ChFC)
  • Enrolled Agent (EA)

Affiliations

  • Fee Only Network
  • National Association of Personal Financial Advisors
  • XY Planning Network

Primary Location

202 N. Cedar Ave, Suite 5, Owatonna, Mn 55060

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Only
  • Flat Fee
  • Hourly Rate
  • Pro Bono

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a complimentary consultation. It's a 20 - 30 minute conversation where we both get the chance to learn more about each other. You want to hire a financial professional who can help you achieve the future of your dreams. I want clients who I will enjoy serving for the next 35+ year of my career. It only makes sense that we get to meet first (in-person or virtually), before making any sort of commitment. I look forward to our conversation!

Offers Investment Management

Yes

About PharmD Financial Planning LLC

PharmD Financial Planning is a fiduciary financial planning firm specializing in tax-smart retirement planning for families aged 40+. I call it Planning Your Tax-Smart Retirement Dream.

I started PharmD Financial planning in 2021 to deliver retirement planning services in a proactive, systematic, and highly personalized way compared to the average advisor. I call it the Tax-Smart Retirement Planning Process. That means your time, attention, and talents can remain focused on the other vital areas of your life while knowing your financial future is being taken care of.

Why PharmD Financial Planning?

✔️ Flat-Fee

We exchange our services for a flat fee. We don't charge an asset percentage fee, earn commissions, or are compensated by product sales or referrals.

✔️ Retirement & Tax Focused

We specialize in providing tax-efficient retirement advice and guidance to help you make educated and informed retirement decisions.

✔️ Tax-Smart Retirement Planning Process

The Tax-Smart Retirement Planning Process is our proprietary process that clients experience yearly in pursuit of their retirement dreams.

✔️ Limitless

We serve all clients regardless of income or asset size. We are located south of Minneapolis, MN, and can meet in person or virtually.

✔️ Expertise

Derek has advanced qualifications and credentials, which allow him to do retirement work for clients that many other advisors cannot.

✔️ Simplified

Life is complex. We make it so your finances are not. It's retirement advice you can understand.

✔️ Boutique

PharmD Financial Planning was not created to become a large firm. We only accept a limited number of clients. This helps ensure that our current clientele always recieve the time and attention from us that they deserve.

Education

North Dakota State University, Bachelor's Degree, Finance

Volunteer Experience

I am a long-time volunteer and advocate for the Two Rivers Habitat for Humanity affiliate in Southern Minnesota.

Hobbies and Interests

  • Animals
  • Baseball
  • Basketball
  • Board Games
  • Church
  • Eating Out
  • Exercising
  • Family
  • Football
  • Golf
  • Reading
  • Running
  • Sports
  • Traveling
  • Working Out

Who We Serve

  • Accountants
  • Actuaries
  • Attorneys
  • Baby Boomers
  • Business Owners
  • Christians
  • Contractors
  • Corporate Executives
  • Couples
  • Data Scientists
  • Dentists
  • DIY Investors
  • Dual Income Family
  • Educators
  • Engineers
  • Entrepreneurs
  • Families
  • Financial Independence Retire Early (FIRE)
  • Gen X
  • Gen Y / Millennials
  • Healthcare Professionals
  • Individuals
  • Investors
  • Living in Retirement
  • Military
  • Non-Traditional Clients
  • Parents
  • Physicians
  • Professional Athletes
  • Real Estate Agents
  • Real Estate Investors
  • Sales Professionals
  • Technology Professionals
  • Veterans
  • Women Professionals

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


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5 Stars

✅ Wealthtender Certified Advisor Review™
Feb 4, 2025
Derek at PharmD Financial Planning LLC is an absolute game-changer for pharmacists looking to take control of their financial future! His deep understanding of both finance and the unique challenges pharmacists face sets him apart from any other financial advisor. Derek takes the time to listen, explain complex strategies in a way that’s easy to understand, and truly cares about helping his clients build wealth, reduce taxes, and plan for long-term success. He gave me advice two years ago, which was opposite of some others. I'm glad I followed his advice!!
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Shawn Bjorndal
Shawn Bjorndal

5 Stars

✅ Wealthtender Certified Advisor Review™
Jan 2, 2025
Derek is professional and very knowledgeable yet personable and understanding of our financial needs and plans. He does a great job!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Beth Aukes
Beth Aukes

5 Stars

✅ Wealthtender Certified Advisor Review™
Oct 5, 2024
   
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Kim Lewis
Kim Lewis

5 Stars

✅ Wealthtender Certified Advisor Review™
Sep 5, 2024
My husband and I interviewed several different financial advisors and we chose Derek. He has been exactly what we wanted - smart, thoughtful, transparent, and helpful. I have recommended Derek to a few friends and will continue to do so.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Sarah Hewitt
Sarah Hewitt

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 26, 2024
Derek has been extremely helpful for our retirement transition/planning, combining accounts, answering all our questions and is a very genuine person who loves what he does! Highly recommend !!!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Rachel Smith
Rachel Smith

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 25, 2024
   
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Randall Erdman
Randall Erdman

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 25, 2024
Derek is personable, professional and courteous. He is attentive to detail. He explains my portfolio in terms I understand. It has been a pleasure working with him. He makes accommodations for me easily. I have complete confidence in his recommendations for my needs as well as my own personal investment choices. He has explained options clearly. With no hesitation I recommend Derek as a financial planner partner. I am certain you will feel confident in his keen foresight to help your investments grow.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Penny Louise Flavin
Penny Louise Flavin

5 Stars

✅ Wealthtender Certified Advisor Review™
Dec 17, 2023
High recommend! Excellent process! Definitely looks out for your best interest. Unlike some advisers that push you to do certain thing's so they get a commission on the sale. This firm is a breath of fresh air compared to my prior experience with a so-called adviser.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mike Klemmensen
Mike Klemmensen

5 Stars

✅ Wealthtender Certified Advisor Review™
Dec 15, 2021
As a business owner, your business comes first. PharmD has taken time to answer questions anytime of day. Derek understands that businesses don't always have an 8-5 schedule. It's very reassuring to have a guy that can answer a call and solve problems 24-7. Great company that's very professional. Thank you PharmD. Schulze Landscaping Rapid City SD
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for James Delaney
James Delaney

5 Stars

✅ Wealthtender Certified Advisor Review™
Dec 1, 2021
Derek has a love and passion for his job you don't find often in today’s world. Derek is extremely knowledgeable, if he doesn’t know the answer, he will figure it out and not just bs you. Trust is the first word that comes to mind when I think of PharmD.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Jesse Brunsvig
Jesse Brunsvig

5 Stars

✅ Wealthtender Certified Advisor Review™
Nov 27, 2021
A high quality service, with great customer service!
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Dave Delaney
Dave Delaney