INVESTMENT & WEALTH MANAGEMENT
Your wealth should answer to your purpose.
Managing money well is not the same as managing wealth well. One is a portfolio decision. The other is every decision
— how your assets are invested, how income is drawn, how tax is anticipated, how your family is cared for — held
together by a single plan and a team that knows the whole picture.
OUR APPROACH
What we mean by wealth management
Most people arrive with pieces. An old employer plan from two jobs ago. An account opened during a good year. A policy someone recommended a decade ago. Each decision was reasonable when it was made. Together, they were never designed to work as one.
Investment and wealth management at Valeris begins by putting those pieces on one table. We look at what you own, what it costs, what it is meant to accomplish, and where it conflicts with something else you are trying to do. Only then do we build — and what we build is a design, not a product recommendation.
- Our name comes from the Latin valere — to be strong, to be well. That is the standard we hold for a plan: not simply that it performs, but that it holds up.
We are stewards of what has been entrusted to us. That conviction shapes how we invest, what we charge, and what we tell you when the answer is one you would rather not hear. It also means we say plainly what we cannot promise. Markets carry risk, and no strategy removes it. What a disciplined plan can do is keep you from being surprised by it.
CAPABILITIES
What we manage on your behalf
Every engagement is scoped to what you actually need. These are the disciplines we coordinate, and the work that sits inside each one.
Investment Management
Portfolios designed around your plan, not around a model number.
- Asset allocation aligned to your goals and time horizon
- Portfolio construction and ongoing rebalancing discipline
- Risk and return analysis in plain language
- Tax-aware investing and asset location
- Cost and expense review across existing holdings
- Guidance on held-away and employer-plan accounts
Retirement Income Planning
Turning what you have accumulated into income you can count on.
- Retirement feasibility and readiness analysis
- Cash-flow modeling across working and retired years
- Withdrawal sequencing across taxable and tax-deferred accounts
- Social Security and pension timing considerations
- Required minimum distribution planning
- Beneficiary designation review
Tax-Aware Strategy
Coordinated with your CPA, not in competition with them.
- Multi-year tax projection alongside your tax professional
- Roth conversion analysis and timing
- Capital gain and loss coordination
- Charitable gifting structured for tax efficiency
- Distribution planning across account types
Risk Management & Insurance
Seeking to protect the plan against the events that would derail it.
- Income replacement needs analysis
- Life and disability income coverage review
- Long-term care planning and funding options
- Review of existing policies and in-force performance
- Business succession and key-person considerations
- Executive benefit and carve-out plan design
Investment Management
Portfolios designed around your plan, not around a model number.
- Asset allocation aligned to your goals and time horizon
- Portfolio construction and ongoing rebalancing discipline
- Risk and return analysis in plain language
- Tax-aware investing and asset location
- Cost and expense review across existing holdings
- Guidance on held-away and employer-plan accounts
Retirement Income Planning
Turning what you have accumulated into income you can count on.
- Retirement feasibility and readiness analysis
- Cash-flow modeling across working and retired years
- Withdrawal sequencing across taxable and tax-deferred accounts
- Social Security and pension timing considerations
- Required minimum distribution planning
- Beneficiary designation review
Estate & Legacy Coordination
Documenting your wishes and managing risk for your family.
- Review of existing wills, trusts, and powers of attorney
- Coordination with qualified legal counsel in your state
- Titling and beneficiary alignment across accounts
- Wealth transfer and generational planning conversations
- Estate tax exposure evaluation with your advisors
Charitable & Legacy Giving
Giving with the same intentionality you bring to everything else.
- Strategic gifting design and annual giving plans
- Donor advised fund evaluation and administration
- Charitable trust structures, in coordination with counsel
- Appreciated-asset and qualified charitable distribution strategies
- Family giving conversations and donor legacy planning
Business & Employer Retirement Plans
For owners carrying a plan and a payroll alongside their own goals.
- 401(k), 403(b), and 457 plan review and design
- SEP, SIMPLE, and profit-sharing plan structures
- Defined benefit and cash balance plan evaluation
- Participant education and enrollment support
- Coordination of owner compensation with personal planning
Education Funding
Funding the next generation without unfunding your own retirement.
- 529 and alternative funding vehicle comparison
- Ownership and control considerations
- Financial aid impact of account structure
- Balancing education goals against retirement funding
HOW WE ARE BUILT
A team, not a single point of contact
A single point of contact works well until that person is stretched thin. We separated the work into three roles so that advice, execution, and follow-through each have someone accountable for them.
ADVICE
Your advisor
Holds the advisory relationship and every recommendation made to you. This is the person who knows your plan and your reasons for it.
EXECUTION
Your Relationship manager
Carries the plan into action and stays reachable between meetings, so decisions do not sit waiting on a calendar opening.
FOLLOW-THROUGH
Administrative specialists
Dedicated specialists in annuities, insurance, investment operations, and paraplanning who track every application from submission to placement.
TECHNOLOGY
What we mean by wealth management
Your plan should not live in a binder you open once a year. Every Valeris relationship includes a secure planning portal that connects your accounts — including those we do not manage — into a single view you can open any time. The technology is not the advice. It is what makes the advice visible between the conversations.
Consolidated view - accounts, balances, and net worth in one place
Secure document vault - the documents that matter, where
you can find them
Scenario modeling - see the effect of a decision before you make it
Goal tracking - progress measured against your plan, not an index
Access anywhere - desktop and mobile, whenever you want to look
ENGAGEMENTS
Two ways this relationship takes shape
The right structure depends on how complicated your situation actually is — which is rarely the same thing as how much you have.
COMPREHENSIVE MANAGEMENT
For households building real wealth and managing risk
Full investment management paired with ongoing planning across retirement, tax, risk, and estate coordination. One team, one plan, reviewed on a set rhythm rather than when something goes wrong.
LEADERSHIP
For significant complexity
Built for business owners and families whose situation spans multiple entities, trusts, or income sources. Everything above, plus the coordination role a family office would fill — working alongside your attorney, CPA, and banker rather than around them.
Let's look at the whole picture.
A first conversation costs nothing and commits you to nothing.
Bring what you have; we will tell you honestly what we see.
(816) 368-2898 | valeriswealth.com