Tampa, FL Office

Valley Financial Management, operating its advisory service as Valley Digital Investor, serves individual and high‑net‑worth clients through an online, web‑ and mobile‑based platform that provides discretionary portfolio management and automated implementation of model ETF portfolios. Clients must conduct the relationship electronically, open a Valley National Bank account to fund and receive distributions, and agree to the platform’s account procedures.

The firm’s advice is generated by the VDI Platform from client‑provided information (age, goals, risk tolerance, time horizon) and produces one of six target portfolios that VFM automatically implements and periodically rebalances; clients reconfirm their profile information annually and generally cannot trade or alter the underlying ETFs directly within an account. Portfolios span conservative income to aggressive growth and may be adjusted or held in cash based on VFM’s portfolio decisions and market conditions.

Noteworthy distinctions include VFM’s status as an internet adviser that is a wholly‑owned subsidiary of Valley National Bank, its registration and activity as a broker‑dealer that introduces trades to Pershing, and its exclusive operation as a wrap‑fee program sponsor—features that create affiliate relationships and potential conflicts of interest tied to bank and clearing arrangements. The brochure also discloses a prior FINRA disciplinary matter involving the firm’s predecessor and identifies additional affiliations (an SEC‑registered affiliated adviser and insurance licensing) that are uncommon among similar team firms.