OUR EDGE IS THE WORK WE DO.

DeltaX Capital is an investment advisory firm registered with the State of South Carolina. In plain terms, we are a fiduciary adviser: we manage investment portfolios for individuals and families, and we are legally bound to put your interests first. The firm was founded by Matthew Schaller.

Yes. As a registered investment adviser, we are held to a fiduciary standard, which means we are required to act in your best interest at all times, rather than merely to recommend something that is suitable. This is a higher standard than many people realize their current adviser is held to, and it is the foundation of how we operate.

Many advisers work inside large firms that also sell financial products, or are affiliated with broker-dealers that earn commissions on what you buy. That structure can create an incentive to recommend what pays the firm. DeltaX is independent. We do not sell products, we are not affiliated with a broker-dealer, and we earn no commissions or sales compensation for placing you in any investment. Our compensation comes only from the clients we serve.

No. DeltaX does not pool your money with anyone else's. You have your own account, in your own name, and we manage it for you. When we refer to the DeltaX Conviction strategy or the DeltaX Clarity strategy, those are approaches to managing your individual account, not funds you buy into.

They are the two core strategies DeltaX has built and actively manages. DeltaX Conviction is our concentrated, growth-oriented strategy, built around our best research for long-term growth. DeltaX Clarity is our conservative, income-oriented strategy, built to be simpler, steadier, and easy to understand. We research and continually refine both, adjusting them over time as our analysis and market conditions change. They are actively managed strategies, rather than static model portfolios you are placed in and forgotten.

Each strategy is managed as one disciplined approach, so clients invested in the same strategy are generally managed in the same considered way, rather than each account being improvised separately. Conviction is offered on a discretionary basis, meaning you authorize us to carry it out on your behalf. Clarity is typically managed on a discretionary basis as well, though the choice is yours. Because these are defined strategies, they suit clients whose goals and circumstances fit what each strategy is built to do.

Then we do not force you into one. For clients whose situation calls for something different, we build a portfolio composed of what fits them, on either a discretionary or non-discretionary basis. The two named strategies are what we are known for, our research and our effort to pursue what we believe is best in the current market, but they are not the only way we work. What matters is the right fit for you, rather than fitting you to a strategy.

This is one of the most common and most important questions, so here is the straight answer. The protection people think of does not come from the size of the adviser. It comes from the custodian that holds your money, and we use an established, qualified custodian that is a member of SIPC. SIPC protects the securities and cash in your account if the custodian itself were to fail, up to applicable limits, and many custodians carry additional coverage beyond SIPC as well. That is the same kind of protection the large firms rely on, because it comes from the custodian, rather than from the brand on the door.

One honest and important distinction: this protection covers the failure of the custodian holding your assets. It does not, and no insurance does, protect against investments losing value in the market. Any adviser who suggests your investments are insured against losses is not being straight with you. What you are protected against is the custodian failing. What no one can protect you against is market risk.

Our advisory fee is tiered, meaning the rate steps down as the assets we manage for you grow. The full schedule is laid out in our Form ADV Part 2A brochure, which you can download from this website. We would rather show you the exact numbers than speak in vague terms.

As a general matter, we work with clients who have at least $500,000 in investable assets, which may include assets in retirement accounts. This is not a measure of who is worthy; it reflects the kind of relationship and strategy we are built to manage well. We may waive or adjust the minimum at our discretion.