Valor Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides comprehensive financial planning and discretionary investment management to individuals, high‑net‑worth individuals, charitable organizations, and businesses, and also offers project‑based and hourly consulting for more limited engagements. It additionally prepares individual federal and state tax returns for both advisory clients and non‑clients and serves as a limited‑scope ERISA 3(21) fiduciary for employer retirement plans.
The firm’s investment approach is predominantly passive and long‑term, building diversified portfolios using low‑cost mutual funds and ETFs while emphasizing asset allocation, asset location, and tax efficiency; it may use model portfolios or individual securities when appropriate. All managed assets are handled on a discretionary basis and employer‑sponsored retirement accounts are evaluated and managed as part of each client’s overall portfolio.
What is noteworthy relative to peers is the firm’s use of a flat monthly planning fee (a subscription‑style arrangement) for ongoing planning, an arrangement the brochure highlights as part of its fee options and that is uncommon among independent advisors. The brochure also discloses potential conflicts tied to offering tax preparation to non‑clients, describes specialized services such as ongoing student‑loan support and limited‑scope ERISA plan advice, and notes operational choices—such as executing trades individually rather than block aggregating—and that the principal performs outside bookkeeping and adjunct teaching roles that occupy a portion of their time.
Client services
Expertise
Fee options
Project-based financial plan fees typically range from $1,000 to $3,000 based on complexity; tax preparation fees are flat fees dependent on return complexity, agreed upon in writing before work begins.
$0 - $1,000,000: 1.00% annually $1,000,000 - $2,000,000: 0.75% annually $2,000,000 - $5,000,000: 0.50% annually $5,000,000 - Negotiable: Negotiable
$100 per hour (negotiable)
Ongoing financial planning engagement charged as a flat monthly fee ($100-$500 monthly, negotiable based on engagement complexity); ongoing retainer consulting fees mutually agreed upon monthly.
Fee-only: Ongoing financial planning flat monthly fee ranging from $100 to $500, negotiable based on complexity; hourly consulting at $100 per hour (negotiable); project-based financial planning fees from $1,000 to $3,000; ongoing retainer consulting fees negotiated monthly.
Main office
Johnson City TN
Advisors at this office
1
Most active in
Tennessee · Texas
Also doing business as
Valor Financial Planning · Valor Financial Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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