Valley FInancial Management, Inc.

Michael Zaremsky is a financial advisor at Valley Financial Management, Inc. with 21 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Lazard Asset Management and Bank Leumi USA. Valley Financial Management operates the Valley Digital Investor platform, offering discretionary portfolio management through an online, web- and mobile-based service for individual and high-net-worth clients. The firm uses automated model ETF portfolios tailored to client profiles and requires electronic account management through Valley National Bank.

Shannon Littlejohn is a financial advisor with Valley Financial Management, Inc. in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Her prior roles include positions at LPL Financial, CUNA Brokerage Services, SunTrust Advisory Services, TD Private Client Wealth, Morgan Stanley, and T. Rowe Price Advisory Services. Outside of financial advising, she is a licensed real estate associate with Charles Rutenberg Realty since 2018. Valley Financial Management, operating as Valley Digital Investor, provides discretionary portfolio management and automated implementation of model ETF portfolios through an online platform for individual and high-net-worth clients. The firm manages portfolios based on client profiles and market conditions, offering a range from conservative income to aggressive growth strategies.

Varda Tal is a financial advisor at Valley Financial Management, Inc. with 25 years of industry experience. She holds Series 63 and Series 65 licenses. Her career includes roles at Leumi Investment Services Inc and Bank Leumi USA. Valley Financial Management, operating as Valley Digital Investor, serves individual and high-net-worth clients through an online platform that offers discretionary portfolio management and automated implementation of model ETF portfolios based on client information and risk profiles.

David Marks is a financial advisor at Valley Financial Management, Inc. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including CITIGROUP, Popular Community Bank, and Infinex Investments, Inc. He is based in Morristown, NJ. Valley Financial Management operates the Valley Digital Investor platform, providing individual and high-net-worth clients with discretionary portfolio management through an online, mobile-based service focused on automated ETF model portfolios. The firm requires clients to maintain a Valley National Bank account and follows a structured investment approach based on client profiles and market conditions.

Allon Harris is a financial advisor with Valley Financial Management, Inc. in New York, NY, holding a Series 63 designation and 12 years of industry experience. He previously worked at Leumi Investment Services Inc. for eight years before joining Valley Financial Management and Valley National Bank. Valley Financial Management operates as Valley Digital Investor, providing discretionary portfolio management and automated implementation of model ETF portfolios through an online platform for individual and high-net-worth clients. The firm’s investment approach is based on client profiles and offers six target portfolios that are automatically managed and periodically rebalanced.

Javier Levy is a financial advisor at Valley Financial Management, Inc. with 16 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked at Bank Leumi USA and Leumi Investment Services Inc. outside of his advisory role, he is a partner and general manager of RPTV Group 1, LLC, an investment vehicle related to a bankrupt real estate crowdfunding fund. Valley Financial Management operates an online platform called Valley Digital Investor that provides discretionary portfolio management and automated implementation of model ETF portfolios for individual and high-net-worth clients. The firm manages client portfolios based on information such as age, goals, and risk tolerance and is a wholly owned subsidiary of Valley National Bank.

Amanda Spiteri is a financial advisor at Valley Financial Management, Inc. with five years of industry experience. She holds the Series 63 and Series 66 designations. Her prior experience includes roles at Northwestern Mutual Investment Services LLC and Valley National Bank. Valley Financial Management operates as Valley Digital Investor, providing online discretionary portfolio management and automated implementation of model ETF portfolios for individual and high-net-worth clients. Clients interact exclusively through a web- and mobile-based platform and maintain accounts with Valley National Bank to fund and receive distributions.

Mark Bubien is a financial advisor at Valley Financial Management, Inc. with 10 years of industry experience. He previously worked at Goldman Sachs & Co. for eight years and JPMorgan Securities LLC for three years. He serves as a member of the Professional Advisory Committee for the DuPage Foundation. Valley Financial Management operates as Valley Digital Investor, providing discretionary portfolio management and automated implementation of model ETF portfolios through an online platform for individual and high-net-worth clients. The firm requires clients to open a Valley National Bank account and manages portfolios ranging from conservative income to aggressive growth using automated rebalancing based on client profiles and market conditions.

Martin Gale is a financial advisor at Valley Financial Management, Inc. in Tampa, FL, holding the CFP®, ChFC®, and Series 66 designations with 14 years of industry experience. His work history includes roles at Hallmark Capital Management, Merrill, and USAA Financial Planning Services. Valley Financial Management operates as Valley Digital Investor, providing individual and high-net-worth clients with discretionary portfolio management through an online platform that implements and periodically rebalances model ETF portfolios based on client profiles.

Marc Pershan is a financial advisor at Valley Financial Management, Inc. with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank Leumi USA and Valley National Bank. He serves on the advisory committee of Chicago Neighborhood Housing Services, a nonprofit supporting low-income housing. Valley Financial Management operates as Valley Digital Investor, providing discretionary portfolio management through an online platform serving individual and high-net-worth clients. The firm uses model ETF portfolios based on client profiles and manages accounts electronically with automated implementation and rebalancing.

Jason Calderwood is a financial advisor with Valley Financial Management, Inc. in West Palm Beach, FL. He holds Series 63 and Series 66 licenses and has 19 years of industry experience, including prior roles at Prudential Insurance Company of America, PNC Investments, and TD Private Client Wealth LLC. He serves as power of attorney for his mother in a fiduciary capacity. Valley Financial Management operates as Valley Digital Investor, providing individual and high-net-worth clients with discretionary portfolio management through an online platform that implements model ETF portfolios based on client profiles and automates rebalancing. The firm is a wholly owned subsidiary of Valley National Bank and offers its services exclusively through a wrap-fee program.

Kathleen Buske is a CFP®-certified financial advisor with 24 years of industry experience. She is currently with Valley Financial Management, Inc. and has previously worked at Hallmark Capital Management Inc. for 10 years and New Century Asset Management, Inc. for 14 years. Valley Financial Management operates as Valley Digital Investor, providing individualized and high-net-worth clients with discretionary portfolio management through an online platform that automates model ETF portfolio implementation and rebalancing. The firm requires clients to manage accounts electronically and fund through Valley National Bank.

Alexander Notaro is a financial advisor at Valley Financial Management, Inc. with nine years of industry experience. He holds the Series 66 designation and has worked at several firms, including Leumi Investment Services Inc. and Northwestern Mutual Investment Services, LLC. Outside of his advisory role, he is a member of Notaro Holdings LLC, which focuses on investment allocation and plans to eventually acquire real estate. Valley Financial Management, operating through its Valley Digital Investor platform, serves individual and high-net-worth clients via an online system that offers discretionary portfolio management using model ETF portfolios. The firm requires clients to open accounts with Valley National Bank and follows an automated, rules-based investment approach that periodically rebalances six target portfolios based on client profiles and market conditions.

Andrew Jianette is a Series 66-licensed financial advisor with two years of industry experience. He is currently with Valley Financial Management, Inc. and has prior experience at Valley National Bank, AE Wealth Management, Madison Avenue Securities, and E.A. Buck Financial Services. Outside of finance, he has worked at Powerhouse Gym Aiea and the University of Hawaii at Manoa. Valley Financial Management operates as Valley Digital Investor, providing individual and high-net-worth clients with discretionary portfolio management through an online platform. The firm uses client information to implement and rebalance model ETF portfolios electronically, requiring clients to maintain accounts at Valley National Bank.

James Clarke is a financial advisor at Valley Financial Management, Inc. in New York, NY, holding a Series 66 designation with two years of industry experience. His work history includes roles at Valley Financial Management, Valley National Bank, and Leumi Bank. Valley Financial Management operates its advisory service, Valley Digital Investor, through an online platform that provides discretionary portfolio management and automated implementation of ETF model portfolios. The firm serves individual and high-net-worth clients who manage their accounts electronically and fund them through Valley National Bank.