our goal is to exceed your expectations

Services

At Valor Financial Services, we strive to provide an exceptional level of service utilizing a broad array of financial instruments and technology. Below is a list and brief description of some of our most popular services.

Custom Portfolio Management

Each portfolio is individually customized based on the goals and risk tolerance of the client. Our advisors have thought-provoking discussions with clients to gain a better understanding of their financial picture along with their needs and wants. After the assessment, a portfolio is constructed designed to help meet those needs. Ongoing reviews are an important step of the process. The review process helps when adjusting the portfolio to changes in time horizon, risk tolerance, personal financial situation, or economic conditions.

Retirement Income Planning

We utilize our decades of investment & client relationship experience, along with ongoing research & technology to provide solutions to retirement income challenges.

This process helps us to quantify and plan for the difficult questions such as:

How much income will my investments provide during retirement?

How could inflation impact my income during retirement?

Can I live off my investments and still leave something to my heirs?

What role will Social Security play in my retirement?

When will I run out of money?

When Can I retire?

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Tax Harvesting Strategies

Another service is periodic reviews of tax implications from transactions made during the calendar year within taxable accounts. When appropriate, we conduct strategy sessions to discuss the advantages and disadvantages of selling securities to offset gains and/or losses incurred during the calendar year. Please note that this does NOT replace your need for a CPA. It is designed to help minimize tax liability each year from investment gains.

Estate Planning

At VFS we work with CPA’s & attorneys to identify ways to address and minimize estate taxes while being sensitive to the costs of the asset transfer process.  As part of our reviews, we confirm and update client accounts beneficiaries. This is done to help ensure accuracy and efficiency during the asset transfer process.

Trust Services

When a Trust is needed to complete a client’s needs, we can manage assets within the Trust and work with your attorney and trustee to ensure the assets are administered in the fashion that you desire.

Education Planning

A very common need our clients share is the cost to educate a child or loved one. We can help identify costs of education, create a savings plan to achieve those goals and incorporate the appropriate financial vehicle(s) to execute the plan.

Comprehensive Financial Planning

At Valor Financial Services, we understand the need to be flexible. The investing universe consists of numerous types of investors with varying goals, needs, and challenges. With that in mind, Our Comprehensive Financial Planning provides clients with more in-depth level of service and analysis. This is an opportunity to go into much more breadth and detail into the client’s financial situation to gain a greater understanding. During this process, we review Assets, Liabilities, Insurance policies, Expenses, & Income to create a financial plan that addresses the needs and goals of the client.