Areas of Focus

We work to foster personal relationships with the individuals and families we serve. By listening to our clients, we are better prepared to meet their growing needs. With our exceptional service and unwavering commitment, Valor keeps clients engaged in the financial planning process and helps them focus on reaching their goals.

We ask a lot of questions to get to the heart of your goals and determine how you feel about your objectives. As we work together, we consciously mold your custom plan to fit your ever-changing life. While new financial hurdles may arise, we’re there alongside you to face these challenges together.

Personal Finance
  • Household Balance Sheets

  • Spending Plan Review

  • Debt Consulting

  • Cash Flow Planning

  • Expense Timeline Creation

  • Emergency Fund Formation

  • Large Purchase Assessment

Image by Adeolu Eletu
 
Image by Max Harlynking
Retirement
  • Goal Setting

  • Savings Targets

  • Income Gap Analysis

  • Social Security Planning

  • Medicare Plan Comparisons

  • Annuity Review

  • RMD and Withdrawal Planning

 
Workplace
  • Employee Benefit Analysis

  • Retirement Plan Review

  • 401(k) Contribution Guidance 

  • Pension Optimization

  • Life Insurance Evaluation

  • Employer Stock Purchase Plans

  • Employer Stock Options

  • Job Offer Comparisons

Image by ROOM
 
Image by NeONBRAND
Investments
  • Portfolio Review

  • Investment Risk Analysis

  • Portfolio Recommendations

  • Investment Policy Statements

  • Account Selection and Titling

  • Cost Basis Review

  • Stock Concentration Reports

 
Education
  • Goal Setting

  • Savings Targets

  • FAFSA Applications

  • Types of Accounts

  • Creative Financing

  • Contracts with Kids

  • Student Loan Reduction

  • Private School Funding

Image by Element5 Digital
 
Image by Paul Weaver
Estate
  • Estate Plan Guidance

  • Wealth Transfer Strategies

  • Gifting Techniques

  • Charitable Planning

  • Guardian Discussions

  • Trustee Review

  • Caring for Elderly

  • Protecting Accounts

 
Insurance
  • Policy Review

  • Needs Analysis

  • Pension Offset Strategies

  • Annuities

  • Life Insurance

  • Disability Insurance

  • Long Term Care Insurance

Image by Natasha Spencer
 
Image by Pablo Merchán Montes
Relationship
  • Combining Savings and Debt

  • Preparing for Wedding Costs

  • Non-married Couples

  • Divorce Planning

  • Generational Wealth Transfer

  • Non-children Estates

  • Caring for Grandchildren

 
Tax
  • Tax Loss Harvesting

  • Realized Gain Review

  • Tax-sensitive Investments

  • Account Structuring

  • Tax Concerns on Withdrawals 

  • Roth vs. Traditional IRAs

  • HSA / FSA Options

Image by Kelly Sikkema