Valor Investments & Planning

How We Work Together

Four ways to engage -- built around where you are and what you need. Clear pricing. Clear scope. No surprises.

Done Together

One-Time Financial Plan

$3,000 – $7,500

A comprehensive financial plan built around your income, accounts, goals, and tax picture -- delivered via recorded Loom walkthrough with if/then scenarios for every decision point. You leave with a clear roadmap and 30 days of direct email access to ask questions as you implement.

What's Included

✓Discovery Call -- first conversation to confirm fit and scope
✓Data Gathering Call -- income, accounts, goals, insurance, and more
✓Comprehensive Financial Plan Document -- tax strategy, retirement savings, cash flow, insurance, and a prioritized action list
✓Loom Video Walkthrough -- full recorded walkthrough with if/then scenarios for every decision point throughout the year
✓30-Day Email Support -- direct access to Chris for 30 days after delivery, plus ongoing access to the Loom and plan document

Tax Strategy Retirement Savings Cash Flow Insurance Review Debt Strategy Account Structure Variable Income Employee Benefits

You've never had a financial plan built around variable income and want a clear starting point
You have specific questions -- taxes on commissions, what to do with RSUs, how to structure your accounts -- that have been sitting unanswered
You're in a transition: new job, first strong commission year, big equity event, or a life change like getting married or buying a home
You want a clear roadmap you can implement yourself and refer back to as things evolve
You're not ready for an ongoing relationship but want to make better decisions starting now

Done Together — Ongoing

Ongoing Financial Planning

$5,000 – $12,000 / yr

A living financial plan updated and executed every year. 3-4 proactively scheduled calls. No limit on scope -- for as many years as it takes. We set the agenda and put it on the calendar. You don't have to chase it.

What's Included

✓Comprehensive Financial Plan -- built and updated annually around your full situation
✓3-4 Proactively Scheduled Calls Per Year -- we set the agenda and put it on the calendar; you don't have to chase it
✓Tax Strategy Year-Round -- deferred comp elections, Roth conversion windows, and contribution optimization done proactively (tax prep referred to a CPA)
✓Equity Comp and Bonus Income -- RSUs, equity grants, and bonus payouts planned around vesting schedules, tax impact, and long-term goals
✓Insurance and Risk Review -- annual review of coverage and protection gaps
✓Estate Planning Review -- beneficiary designations, account titling, and estate structure reviewed annually
✓Comprehensive Scope -- new job, equity comp, real estate, major purchase -- whatever comes up is covered

Tax Strategy Retirement Planning Variable Income Cash Flow Insurance & Risk Estate Planning Real Estate Equity Comp Deferred Comp Benefits

Your income and life change every year and you want someone keeping up with it alongside you
You have equity comp, deferred comp, or bonus structures that need active, ongoing strategy -- not a one-time conversation
Things keep slipping on your own -- Roth conversion windows, deferred comp elections, contribution limits -- and you want someone making sure nothing falls through the cracks
You want professional accountability year over year while you're building real wealth
You're not yet at $250K in investable assets but want comprehensive planning now, with investment management added later

Done For You

Investment Management

From 1.5% all-in

A fully managed portfolio. We handle it -- you don't think about it. Thematic, macro-aware strategy executed with quantitative analysis. Core and satellite structure. Custodied at Charles Schwab. $250,000 minimum account size.

What's Included

✓Ongoing Portfolio Management -- active, discretionary management monitored and adjusted as macro conditions change
✓Thematic, Macro-Aware Strategy -- portfolio built around durable economic themes, not last quarter's headlines
✓Quantitative Analysis -- institutional-grade management executed by a specialized investment team, not a solo advisor picking stocks
✓Charles Schwab Custody -- all assets held at Schwab; direct account access and full visibility at all times
✓Annual Account Review Meeting -- one scheduled meeting per year to review portfolio performance and strategy
✓Ongoing Account Reporting -- regular statements and full transparency on holdings, performance, and fees

Investment Management Portfolio Strategy Macro Positioning Schwab Custody Account Reporting

You have $250,000 or more in investable assets you want actively managed by a professional team
Your accounts are sitting in a target-date fund at Vanguard or Fidelity with no real strategy behind them
You don't want to think about rebalancing, macro positioning, or when to rotate -- you want it handled
You want full transparency: Schwab custody, regular statements, complete visibility into what you own and why
You already have a financial planner, or you plan to handle planning separately, and want investment management as a standalone service

Most Common

Done For You — Comprehensive

Holistic Wealth Management

From 1.3% + Planning Fee

Ongoing financial planning and investment management working together. Two separate agreements -- each can be added at any time. Clients who do both receive a discounted investment management fee of 1.3% all-in. No minimum account size.

What's Included

✓Everything in Ongoing Financial Planning -- full annual planning cadence, proactive tax strategy, equity comp, estate review, comprehensive scope
✓Everything in Investment Management -- discretionary portfolio management, Schwab custody, thematic strategy, ongoing reporting
✓Discounted Investment Management Fee -- 1.3% all-in when both agreements are active (vs. 1.5% standalone)
✓No Minimum Account Size -- planning and investing can grow together from day one
✓Fully Integrated Strategy -- your plan and your portfolio inform each other; nothing operates in a silo

Tax Strategy Retirement Planning Variable Income Investment Management Cash Flow Insurance & Risk Estate Planning Real Estate Equity Comp Deferred Comp

You have income complexity -- variable pay, equity comp, deferred comp -- and significant assets that need managing together, not in separate silos
You want one relationship where someone knows your full financial picture and proactively manages both planning and portfolio
Your investments have been sitting in a default allocation while your tax situation goes unaddressed -- you want to fix both at once
You want your financial plan and your portfolio working together: the plan shapes what goes in the portfolio, and portfolio performance informs the plan
This is what most clients choose because planning and investing reinforce each other -- and because the discounted rate makes it cost-effective to do both

Areas We Cover

Everything that matters for a sales rep building real wealth

Tax Strategy Retirement Planning Variable Income Investment Management Cash Flow Risk & Insurance Real Estate Estate Planning Equity Compensation Deferred Compensation

Get Started

Not sure which fits? Start with a call.

A 30-minute conversation is enough to figure out the right fit. No pressure, no pitch. Just a clear look at where you are and what would actually help.

Book a Free 30-Minute Call →