Valora Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Valora Planning LLC is a fee‑only registered investment adviser that offers financial planning and investment management to individuals, high‑net‑worth clients, and corporations or other businesses. Its wealth management services combine continuous discretionary portfolio supervision with comprehensive financial planning work that can address cash flow, retirement, college savings, business planning, insurance, and estate considerations.
The firm describes its investment process as grounded in Modern Portfolio Theory and favors passive investment management using stocks, bonds, mutual funds, and ETFs, with portfolios constructed around asset allocation targets and risk tolerance. Clients typically grant limited discretionary trading authority, receive quarterly account reviews, and — at the client’s election — obtain a written financial plan at no additional fee as part of the wealth management engagement.
Noteworthy for a newly registered adviser reporting no assets and no active SEC‑registered advisors, the firm nonetheless offers discretionary portfolio management for individuals alongside written financial planning services and requires client accounts to be custodied at Charles Schwab’s institutional platform. The brochure also discloses an outside, non‑investment business activity of the firm’s principal and a potential related‑party client relationship, which the firm identifies as a potential conflict of interest.
Client services
Expertise
Demographic focus
Fee options
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.75% $1,000,001 - $2,500,000: 0.60% $2,500,001 - $5,000,000: 0.45% $5,000,001 - $10,000,000: 0.35% $10,000,001+: 0.25%
Hourly charges reported in SEC Form ADV Part 1 but not clearly specified in Part 2 brochure.
Fee-only: VAL is a fee-only firm with no commissions or sales-related compensation.
Main office
2707 North 6th Street
Wausau WI 54403, United States
Offices (1)
Most active in
Wisconsin
Also doing business as
Valora Planning · Valora 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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