The financial planning industry is struggling to match fair compensation to advisors with generating value for clients. Valor Wealth Partners has designed fee structures that allow each family or individual to control the level of service they feel accurately meets their needs. We believe our unique structure allows the highest level of cost transparency and prevents the conflicts of interest that arise from more typical methodologies. Our philosophy is to only charge a fee when there is a value transfer and to do that, we need to first have a thorough understanding of your most important goals and concerns. Fees are always quoted to you before you sign on as a client, so there are no hidden fees.
When evaluating the cost of an advisor you should ask at least 3 questions:
How is this valuable to me and my family?
Who is paying the advisor?
What are the conflicts of interest?
Many advisors are still being paid by companies for the products they sell clients. This creates a conflict of interest on who benefits most from the transaction. As a fee-only wealth advisory firm, our advice is independent from the solutions we may recommend. Valor Wealth Partners does not accept commissions from the sale of any investment, insurance, or banking products. Our only compensation is from you, our client. Because of this fiduciary responsibility to our clients, we are able to offer the most suitable advice to meet your unique financial needs. Please review the Fiduciary Oath that all employees must sign.
Before we decide to work together, let’s chat about your unique financial circumstances and goals. We’ll give you honest feedback about where you are with regard to your goals and if we think we can help you achieve them. You’ll have the chance to get to know us and decide if we're the right partner to help you. You can schedule your FREE consultation now.
If we decide to work together, we offer 3 programs to help you on your path to financial success.
Clarify, simplify, and organize your financial life.
Ongoing coaching and monitoring to support your changing plan.
Professional administration of your investment portfolios.
Let's take a closer look at each one of our programs so you can see the work we do for our clients.
Developing a strategy is the first step to clarify, simplify, and organize your financial life. Through the financial planning process, we’ll determine valuable information about your current status, and develop efficient methods to focus your actions. After conducting a comprehensive analysis, we’ll prepare a plan of action and provide a written financial strategy.
During this comprehensive process we explore details of your financial life. Over 4 interactive meetings we discuss your goals, available resources, and barriers that could hold you back from achieving success. Please review the Financial Lifestyle Checklist below to see the depth of topics we cover during this process.
When your financial plan is complete you will have a road map for helping you achieve your short and long-term goals by maximizing and using your available resources wisely.
90 minute meeting to evaluate your current financial situation and walk you through the interactive process
90 minute meeting where we explore your goals and prioritize your concerns
90 minute meeting to preview your plan and discuss high-level planning recommendations
90 minute meeting to present your final plan and discuss execution of recommendations
Your Initial Financial Plan is an easy-to-read summary of your current net worth, goals, and actionable next steps. Depending on your needs you can receive recommendations on savings targets, debt repayment, retirement planning, insurance needs, estate planning, and tax planning. We also include a detailed analysis of your current investment portfolio reviewing risk tolerance and costs.
The process is more than giving you a thick booklet you will never read, it is preparing you with education and the tools to reach the goals you have set for your family. During this process you will uncover your dreams and goals, define your risk tolerance, and gain a better understanding of what is needed to achieve success. Below are some examples of proprietary and third-party reports we use to explain your personal financial situation.
A properly prepared financial plan is critical to your success, but it is only a starting point. Life will throw rewards and challenges that will alter your well-crafted plan. Some of the most common challenges for people are: lack of knowledge, lack of tools to evaluate options, and procrastination. Valor Wealth Partners works alongside our clients to overcome these struggles.
To support our clients with ongoing coaching and monitoring, we created two programs to match their needs and budget. You can choose the full service Lifestyle Planning option or Do-it-Yourself Planning. Either option gives you full access to our planning resources and a team of dedicated professionals that are passionate about helping you achieve success.
Our full-service program provides comfort to clients knowing that our team is available when they need us at no additional cost. You will have unlimited access to our team. If we haven't spoken in a while, we will contact you to schedule a meeting based on your preferences, typically every 4-6 months. With Lifestyle Planning you will have a dedicated advisor that is committed to serve you for as long as you are a client of Valor Wealth Partners. We limit the number of clients per advisor so we can build deeper relationships with each client.
We believe everyone should have access to premier financial planning resources. Full service isn’t necessary for everyone, but many clients still need a team they trust for occasional financial guidance. For a minimal monthly cost, the Do-It-Yourself program provides access to our valuable resources and annual meetings to review your situation. This option is best for clients that feel comfortable executing their plan outside of an annual meeting. If your needs become more complex, we are available for a financial strategy session at an hourly rate.
Where our other services focus on financial planning, this service is all about your investments. Our goal in this area is to help clients reduce their costs while receiving quality investments that meet their needs. Many clients feel that managing investments on a day-to-day basis is time consuming, emotional, and stressful. Instead of taking on the responsibility yourself, our team ensures that your investment portfolio is administered by experienced professionals. Please contact us if you would like to learn more about available investment options.
Many people have a large portion of their assets in employer retirement accounts or choose to manage their assets themselves. Because of the way we have designed our programs, there are no account minimums or requirement we manage any of your assets. At Valor Wealth Partners, investment management is a service we provide to our ongoing financial planning clients at a reduced cost.
Annual Fee charged Quarterly, in arrears:
.60% of Assets Under Management with Ongoing Financial Planning
1.25% of Assets Under Management without Ongoing Financial Planning
We created an educational series on the fundamentals of financial planning. You will receive 10 easy to read emails highlighting some of the basics of financial planning and little known secrets about the industry.
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