Only financial firms that act purely as fiduciaries, meaning they are both legally and ethically bound to put their client’s best interests ahead of their own, are allowed by the government to spell “adviser” with an “e.” Firms or financial professionals who use the title of “advisor” may adhere to lower legal standard as set by law. It is vitally important that you choose the right type of financial professional for your individual needs and goals.
A fiduciary is a person or organization that acts on behalf of others, always putting the clients best interest ahead of their own interests. A financial fiduciary is legally and ethically bound to make sound financial decisions for their clients, regardless of how it may affect their own earnings.
Fiduciaries are usually designated by the following acronyms:
Registered Investment Advisers (RIA)
Investment Adviser (IA)
Certified Financial Planner (CFP)
Yes, Valor Advisers is a fiduciary, and we take this responsibility to our clients very seriously.
No, as a fiduciary, Valor does not accept commissions in exchange for investing your money. Instead, we work on a flat monthly price or earn fees based upon a percentage of assets under management. This is also known as fee-only. This creates transparency and aligns Valor’s goals with your goals.
While working with a fiduciary does require some upfront and on-going costs, Valor Advisors’ prices are designated with First Responder families in mind. We understand your financial position, and we strive to meet your needs. And because we are legally and ethically bound to make sound financial decisions on your behalf, you can rest easy knowing that your money and your investments are safe.
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Valor currently accepts active and retired first responders, their spouses, and their children as clients. If you are not a first responder or family of, we would be happy to help you find the right financial professional for your needs.
While a 457(b) Deferred Compensation Program does provide a good avenue for your retirement funds, there may be better options for your money. A financial adviser will be able to provide invaluable insight and suggestions for the best retirement outcome based on your situation — including your current age, your goal retirement age and your retirement plan. Life can get complicated, from taxes to debts, paying for your kid’s weddings and college, buying income properties, and so much more. Working with Valor will help you make the most of your money so that you can make the most of your life and your retirement.
Absolutely! It is never too late (or too soon) to seek professional financial help and advising. Valor can prepare a full retirement analysis, detailing your retirement income, investment projections, estate planning, taxes, and more. Together, this analysis will help identify opportunities, shortfalls and strategies to help you plan for a smarter retirement. This is especially helpful if you plan to relocate post-retirement. Our retirement analysis provides powerful answers to your financial questions, so that you can make the best decisions and position yourself for a successful retirement.
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We understand that some people simply want someone to look over their portfolio, making suggestions for improvement and providing advice and clarity. We are happy to work with these individuals, and we frequently prepare one-time, custom plans for clients. These custom plans take the guess work out of your financial decisions and can position you for a smooth transition and a sustainable retirement.
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Research shows that individuals who work with a qualified financial professional have significantly better outcomes than those who do not. Would you perform brain surgery on yourself, or would you seek out a highly-qualified surgeon? The same philosophy should be applied to your financial future. By choosing to work with a fiduciary, you can rest assured that your hard-earned money is safe and your investments will continue to work for you, preparing you for the best possible future. As true specialists in the financial world, we help you to implement the same strategies available to the ultra-rich. We want you to retire with the utmost confidence in your financial situation, and our expertise will get you there.