Valeo Financial Advisors

What Valeo Financial Advisors does

Valeo Financial Advisors is an independent, fee-only financial advisory firm founded in 2003 and headquartered in Carmel, Indiana, with additional offices in Denver (Colorado), Chicago (Illinois), and Richmond (Virginia). The firm employs 75 Certified Financial Planner (CFP) professionals delivering comprehensive financial planning across six integrated service areas: income tax and cash flow management, investment management, risk management and insurance evaluation, estate planning, education funding, and retirement planning. Valeo serves high-net-worth individuals and families in 40+ U.S. states through direct advisor-to-client relationships, with each advisor capped at 40 client relationships to preserve service quality and accessibility; Fidelity is the recommended custodian, though existing client relationships with other brokers or custodians are accommodated.

The firm's revenue model is a transparent, published subscription-style fee based on client net worth rather than assets under management or commissions: 0.500% on the first $7.5 million, 0.250% on the next $7.5 million, and 0.125% above $15 million, with a $10,000 annual minimum and a one-time transition fee equal to one quarter of the initial annual fee for new clients. This net-worth-based structure eliminates AUM-fluctuation-driven revenue volatility and removes commissions as a conflict-of-interest source, positioning Valeo as a fiduciary-focused alternative to product-selling and percentage-of-AUM competitors.

The go-to-market motion is sales-led direct advisor relationships supported by content marketing via the firm website and community philanthropy through the Valeo Foundation, which has raised over $500,000 for charitable causes. The core technology stack is not publicly disclosed and the firm has no API, SDK, or application surface; the practice operates as a traditional advisory firm. Leadership is structured around a C-suite including a Chief Investment Officer (Tom Askey), Chief Operating Officer (Greg Heinle), Chief Advisory Officer (Greg Jordan, since 2011), Chief Financial Officer (Daniel Keller), Chief of Staff (Jonathan Clark), and Chief Compliance Officer (Connor Skelly), with functional directors for Human Resources (Jen Brown, since 2024), Risk and Compliance (Josh Frazier, since 2025), Technology (Andrew Tellitocci), Advisor Development (Kacie Nelson), and Marketing and Communications (Jill Trudeau). Valeo is a privately held LLC domiciled in Indiana, is SEC-registered as an investment adviser, and is not backed by venture capital, private equity, or any parent holding company.

Name

Valeo Financial Advisors

Legal name

Valeo Financial Advisors, LLC

Website

https://valeofinancial.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Valeo Financial Advisors is a private, fee-only fiduciary advisory firm founded in 2003, employing 75 CFP professionals across five U.S. offices to deliver comprehensive financial planning to high-net-worth individuals in 40+ states on a transparent net-worth-based fee structure.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Fee-Only Advisory (FSAEAAAL), Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

Keywords

• Financial advisory services
• Comprehensive financial planning
• Wealth management advisory
• Fee-only investment advice
• Fiduciary financial planning

Headquarters

HQ city

Ann Arbor

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Advisory Fee based on Net Worth: Valeo charges a transparent annual fee based on client net worth rather than assets under management or commissions. This fee structure covers all financial planning and investment advisory services. The fee schedule is publicly published on their website: 0.500% on first $7.5M, 0.250% on next $7.5M, and 0.125% on amounts over $15M. A minimum annual fee of $10,000 applies, plus a one-time transition fee equal to one quarter of the initial annual fee for all new clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Valeo Financial Advisors is an independent, fee-only financial advisory firm that delivers comprehensive financial planning to high-net-worth individuals and families across six integrated service areas: Income Tax & Cash Flow Planning, Investment Management, Risk Management & Insurance, Estate Planning, Education Funding, and Retirement Planning. All services are provided under a fiduciary standard for one transparent annual fee based on client net worth, with no product sales or commissions.

Product overview

Valeo Financial Advisors is an independent, fee-only financial advisory firm offering comprehensive financial planning and investment management services. The firm provides six integrated service areas (Income Tax & Cash Flow, Investments, Risk Management, Estate Planning, Education Funding, and Retirement Planning) delivered through a transparent net-worth-based fee model. All services are provided under a fiduciary standard with one simple fee covering comprehensive advisory services, distinguishing it from advisors who charge commissions or asset-based percentages alone.

Differentiator

Problem solved

Functional benefit

Products and services

• Income Tax & Cash Flow Planning Tax planning integrated with cash flow management, delivered collaboratively with the client's accountant to ensure financial decisions are evaluated for tax impact.
• Investment Management Portfolio evaluation net of fees, taxes, and risk, aligned to each client's overall risk profile with openness to nontraditional opportunities under Valeo's net-worth-based advisory model.
• Risk Management & Insurance Evaluation of current and future insurance needs to distinguish adequate coverage from over-sold insurance products, coordinated with the client's existing insurance agent to optimize coverage.
• Estate Planning Coordination of asset ownership structures and beneficiary designations with the client's estate planning attorney to ensure estate administration is tax-efficient and accurately reflects the client's wishes.
• Education Funding Planning for educational expenses integrated with the client's tax, cash flow, investment, and estate planning strategies to ensure consistency across the full balance sheet.
• Retirement Planning Strategy development for transitioning into retirement, addressing potential shortfalls or windfalls and tailored to each client's unique financial needs and goals.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• FidelitycoreOthersValeo recommends Fidelity as the primary custodian for client investments. The firm can also work with established broker or custodian relationships that are already in place for clients who prefer to maintain existing relationships.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creative Planning: One of the largest independent, fee-only comprehensive financial planning and wealth management firms in the U.S. Like Valeo, Creative Planning emphasizes fiduciary, fee-only advice with comprehensive planning across tax, investment, retirement, and estate domains, and offers similar transparent fee structures.
• Mariner Wealth Advisors: Large national fee-only RIA offering comprehensive financial planning and investment advisory services to HNW individuals and families. Mariner's service model, multi-office footprint, and emphasis on holistic planning closely mirror Valeo's positioning at a significantly larger scale.
• Buckingham Strategic Wealth: Fee-only RIA providing comprehensive financial planning with published, transparent fee schedules and a fiduciary standard. Buckingham's focus on evidence-based investing, tax-aware planning, and avoidance of product commissions makes it a directly comparable model to Valeo.
• Ronald Blue Trust: Fee-only, Christian-focused comprehensive financial planning firm serving HNW individuals and families across multiple states. Ronald Blue Trust shares Valeo's commitment to fiduciary advice, transparent fee structures, and integrated planning across tax, investment, estate, and charitable giving.
• Carson Wealth: Comprehensive wealth management and financial planning firm serving HNW clients through a network of advisor offices. Carson's holistic planning approach, fiduciary alignment, and growth via advisor partnerships closely parallel Valeo's fee-only comprehensive planning model.
• Homrich Berg: Fee-only RIA headquartered in Atlanta offering comprehensive wealth management and financial planning to HNW individuals. Homrich Berg's fiduciary model, multi-office footprint, and team-based advisory structure are directly comparable to Valeo's approach.

Emerging players

• Facet Wealth: Digital-first comprehensive financial planning firm targeting mass-affluent and HNW clients via virtual CFP-led advice at transparent flat fees. Facet competes for the same planning-led segment as Valeo but with a tech-enabled, lower-cost delivery model.

Broad incumbents

• Schwab Wealth Advisory: Charles Schwab's wealth advisory offering combining digital planning tools with human advisor access at published fee tiers. As a broad incumbent, Schwab competes for Valeo's target segment with massive brand, scale, and integrated custody advantages.
• Vanguard Personal Advisor Services: Vanguard's hybrid robo-plus-human advisory service offering ongoing financial planning and portfolio management at low advisory fees. Vanguard competes directly for Valeo's planning-oriented HNW clients through brand strength and cost efficiency.
• Focus Financial Partners: Leading RIA aggregator and partnership platform for independent, fee-only wealth management firms. While not a direct competitor to Valeo's clients, Focus represents a strategic exit option and consolidator pressure in the same fee-only RIA category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/valeofinancial
• LinkedInlinkedin.com/company/575480

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Valeo Financial Advisors