Investor Information | Valor Asset Management

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"The individual investor should act consistently as an investor and not as a speculator."

Benjamin Graham, author of The Intelligent Investor

The Valor Way: Your “All-in-One” Partner

Through its relationship with Cetera Investment Advisors, Valor offers a coordinated blend of financial guidance and investment management designed to support your long‑term goals.

Valor helps you make informed decisions about your financial life—organizing priorities, discussing risk, planning for retirement, and shaping a direction that fits your needs and goals.

Alongside this guidance, Valor manages your portfolio through Cetera’s Registered Investment Advisor, overseeing the day‑to‑day monitoring and trading. We do this through a variety of in‑house investment models. Click here to learn more.

This "all-in-one" approach helps keep your planning and investments all under one roof, with one process, and one team at the helm to help keep your course steady.

Valor’s Mantra: "Stay the Course"

Valor’s investment approach centers on one guiding mantra: “Stay the Course.” For nearly 20 years, this discipline has been shaped by a research process that blends deep qualitative analysis with rigorous quantitative review. We begin with bottom‑up fundamental work—studying reports, trends, the business cycle, and management quality—to understand how a company or strategy creates value. That foundation is then paired with a detailed financial review to identify durable competitive advantages, or “economic moats,” that help strong businesses stand out. From this combined framework, Valor builds portfolios designed for long‑term value. To reinforce this process, we collaborate with a broad network of industry professionals and research partners who provide insight into market trends, sector opportunities, and the broader economic environment.

The Valor Investment Process: Setting the Standard

Our process begins with understanding your goals, your timeline, and how you want your money invested. From there, we chart a portfolio built for you—using risk analysis, modern portfolio theory, and tools like Cetera’s Roadmap (powered by MoneyGuide) to map your current holdings, proposed models, and long‑term objectives.

We then set your investing journey in motion, managing a sensible, risk‑aligned portfolio—often through one of our Valor models. Click here to learn more about the Valor models.

And throughout the journey, we stay in touch. Priorities shift, markets move, and we adjust together to keep your plan on course.

Key Points: YOUR Investment Journey

As part of the Valor Asset Management program, you should expect these key points when you invest at Valor:

Streamlined portfolios that suit YOUR needs.
A straightforward and easy to understand selection process.
Investments chosen by disciplined research and analysis.
Low embedded costs and expense ratios.
Tax efficiency in accounts, such as “tax loss harvesting”.
Models for both retirement and non-retirement accounts.
Quarterly rebalancing and intra-quarter "tactical" trading.
Open access to all asset classes to help optimize risk-adjusted return.

Step-by-Step: YOUR Personalized Financial Journey: Assess your goals, Formulate a Plan, Build Your Portfolio, and Manage It.

Introductory Call

At Valor, we want to use your time as wisely as possible. So, our first step is a simple introductory call. This is a chance for you to ask any questions you may have, and to learn more about what you can expect from us, so you can be sure we are a good fit for your needs.

Gathering Information

In order to best understand your current financial situation, we’ll ask for all of your financial information and documentation. Having all the data we need in advance allows us to be well-prepared for the discovery meeting.

Discovery Meeting

Our highest priority is understanding your needs and your goals. During our discovery meeting, we will carefully listen to your story, your hopes, and your long-term financial goals. Then we begin crafting a comprehensive plan specifically designed for you.

Your Portfolio

Our portfolio strategies are designed with various risk strategies in mind that range from very conservative to very aggressive. After our discovery meeting, we will discuss that with you and formulate an investment plan suited best for you, based on your comfort for risk, and the life you desire to build. Once that is decided, we will then choose one of our portfolio models that meets your needs, and we’ll connect with you to share and explain our guidance and recommendations. After reviewing your strategy together, and with your permission, we will then trade into the model.

Implementing Your Complimentary Plan

Once you are fully traded into the model, we will shift to ongoing management, analysis, and assessment of not only your portfolio but your overall financial plan. We will also make sure you stay informed by setting up periodic meetings to review progress and next steps.

Continuing Stewardship

We are dedicated to supporting your path toward financial freedom and long‑term investment success. That commitment includes ongoing oversight of your portfolio and financial goals, staying attuned to market developments, and connecting with you regularly so you always have a clear view of your financial well‑being.

Get the advice you need and the service you deserve.

At Valor Asset Management, we build deep, long-lasting relationships with our clients. We remain true to our core principles of providing expert advice with the highest level of personal service and care. We strive to bring clarity and confidence to your financial life by offering objective, personalized guidance that empowers you to focus on the passions and pursuits that matter most.

Click below to learn more about how we may be able to help you.

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