Valley Oak

What Valley Oak does

Valley Oak Investment Strategies, LLC is a Michigan-based, privately-held financial services firm founded in 2006 by Matt and Amber Rzepka that delivers an integrated suite of tax, accounting, investment advisory, and financial planning services to small business owners and high-net-worth individuals. The firm is registered as an investment advisor and holds CPA, CFP®, CRPC™, and Series 6/7/63 credentials across its team, which it leverages to provide business and personal income tax planning and preparation, bookkeeping, payroll, life insurance and estate planning, financial forecasting, asset accumulation and distribution planning, business succession and exit strategy advisory, legacy planning, and family office services. Its proprietary differentiator is a "Comprehensive Tax Code Strategy Framework" built on deep study of the U.S. tax code, deployed across a team of 16 professionals operating from a Kalamazoo headquarters plus regional offices in Charlotte and Solana Beach with remote staff across Michigan.

The firm's technology stack is described as a financial planning and tax optimization software platform with integrated client management capabilities; no AI/ML capabilities, APIs, or app products are disclosed. Revenue is generated through three streams — recurring annual tax planning and preparation (professional services), wealth management and financial planning (subscription/recurring), and ongoing bookkeeping, payroll, succession, and forecasting work (professional services) — all priced on customized, quote-based packages billed annually with no publicly disclosed pricing. Go-to-market is hybrid: a content-led top-of-funnel using a website resource center with educational articles, videos, and calculators across seven planning topics, mid-funnel free business assessments, and post-sale referral generation from a "raving fan" client base, paired with a sales-led, relationship-driven direct advisory delivery model through licensed CPAs, CFPs, and wealth strategists.

The company has no external investors, no funding rounds, no M&A activity, and operates as a single LLC domiciled in Michigan. Its customer segments are horizontally oriented across SMBs and HNW individuals in the U.S. with a regional concentration in Michigan.

Name

Valley Oak

Legal name

Valley Oak Investment Strategies, LLC

Website

https://vofcpa.com

Company type

Private

Founded year

2006

Operating status

Operating

Short description

Valley Oak is a Michigan-based, privately-held financial services firm founded in 2006 that delivers integrated tax planning, accounting, investment advisory, and financial planning services to small business owners and high-net-worth individuals through a team of 16 licensed professionals.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Tax planning services
• Wealth management advisory
• Small business accounting
• Estate planning services
• Financial forecasting services

Headquarters

HQ city

Kalamazoo

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Tax Planning & Preparation Services: Income tax and business tax planning and preparation services provided on a recurring annual basis with ongoing compliance support
2. Wealth Management & Financial Planning: Comprehensive financial planning services including retirement planning, asset accumulation and distribution, life insurance planning, and estate planning
3. Business Services: Bookkeeping, payroll services, business succession and exit strategy planning, and financial forecasting for small business clients

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Valley Oak is a specialized financial services firm that delivers integrated tax, accounting, bookkeeping, payroll, wealth management, insurance, and estate planning services primarily to small business owners and high-net-worth individuals. Its core offering is a unified advisory suite spanning business and personal tax planning and preparation, ongoing bookkeeping and payroll support, asset accumulation and distribution planning, life insurance planning, estate planning, business succession and exit strategy advisory, and financial forecasting. All services are delivered by a team of licensed CPAs, CFPs, and wealth strategists across three offices in Michigan with remote staff statewide.

Product overview

Valley Oak is a specialized financial services firm offering a unified suite of advisory and compliance services for small business owners. The portfolio includes core tax planning and preparation services (both business and personal income), bookkeeping and payroll support, insurance and estate planning, and specialized wealth management services including asset accumulation/distribution planning, business succession/exit strategies, and legacy planning. The firm also provides educational resources and financial forecasting tools. All services are delivered through a team of 16 professionals across 3 offices, with Valley Oak Investment Strategies, LLC operating as a registered investment advisor subsidiary.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Tax Planning & Preparation Tax planning and preparation services for businesses, focusing on identifying opportunities within the tax code to help business owners minimize tax liability.
• Income Tax Planning & Preparation Comprehensive personal income tax planning and preparation services, ensuring clients have optimized tax strategies and full-service compliance.
• Bookkeeping Services Ongoing bookkeeping support to help clients maintain accurate financial records for their businesses.
• Payroll Services Payroll processing and management services for business clients.
• Life Insurance Planning Life insurance analysis and planning to ensure adequate death benefit coverage for protecting loved ones and overall financial health.
• Estate Planning Estate planning services including document preparation, inheritance protection strategies, and referrals to qualified attorneys.
• Financial Forecasting Forward-looking financial analysis to help clients understand future financial scenarios and plan accordingly.
• Asset Accumulation Planning Retirement accumulation strategies tailored to individual needs, helping clients build wealth toward retirement goals.
• Asset Distribution Planning Retirement income planning services focused on optimized and efficient distribution strategies during retirement.
• Business Succession and Exit Strategy Planning Planning for business transitions to next generation or buyers, including education on various exit strategy options.
• Legacy Planning Financial resources for creating a lasting legacy for family, community, or other organizations through strategic planning.
• Education & Training Educational resources and training to help clients understand financial concepts and planning strategies.
• Estate Tax Planning Strategies to protect wealth and efficiently manage estate taxes, including education on various protection strategies for high-net-worth clients.

Quantifiable outcome

• Clients pay lower taxes with proven, custom strategies

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Hantz Group: Michigan-based integrated financial services firm offering tax planning, wealth management, insurance, and estate planning to individuals and small business owners — directly comparable to Valley Oak in customer segment, geography, and bundled service model.
• Rehmann: Michigan-headquartered CPA and advisory firm with wealth management, tax, and financial planning services for individuals and businesses — comparable in integrated tax + wealth offering and Midwest SMB-owner focus.
• Beene Garter: Michigan-based integrated accounting, tax, and business advisory firm serving closely-held businesses and individuals — similar size, geography, and integrated advisory model to Valley Oak.
• Kreischer Miller: Regional CPA and business advisory firm offering tax, accounting, wealth advisory, and succession planning to closely-held businesses and HNW families — comparable integrated service stack and SMB-owner focus.
• Anders CPAs + Advisors: Mid-sized integrated CPA and advisory firm providing tax, accounting, wealth management, and business consulting to closely-held businesses and individuals — comparable multi-service model and SMB-owner client base.
• Moneta Group: Large RIA offering integrated financial planning, tax preparation, and wealth management to HNW individuals and business owners — comparable bundled tax + wealth stack for business-owner clients.

Broad incumbents

• Plante Moran: One of the largest U.S. CPA and advisory firms, headquartered in Michigan, with a wealth management arm serving individuals and business owners — broader, deeper resource base but overlapping in Michigan SMB-owner tax + advisory market.
• Wipfli: Large regional accounting and advisory firm with tax, wealth management, and business consulting practices serving middle-market and closely-held businesses — overlapping in integrated tax + advisory for SMBs.
• Eide Bailly: Top-20 U.S. accounting and advisory firm offering tax, audit, wealth management, and business advisory to closely-held businesses and HNW individuals — comparable integrated model at significantly larger scale.
• Forvis (formerly BKD): Large national accounting and advisory firm providing tax, audit, wealth management, and consulting to middle-market businesses and individuals — comparable integrated service model at much broader scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Valley Oak