Valentine Investments, LLC

Valentine Investments, LLC provides investment management, financial planning, and consulting to individuals — including both high‑net‑worth and non‑HNW clients — as well as pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities. The firm manages assets on both discretionary and non‑discretionary bases and also advises on allocations within insurer‑held products (such as variable life/annuity contracts), employer retirement plans, and 529 plans.

The firm’s investment approach emphasizes asset allocation and risk‑adjusted total return, employing both fundamental and technical analysis to select mutual funds, ETFs, individual equities and options and to set appropriate mixes of equities, fixed income and cash. Portfolios are tailored to clients’ risk tolerance and time horizon, reviewed at least quarterly, and the adviser typically uses a major custodian for custody and trade execution while exercising discretion only when authorized.

What distinguishes this firm from many peers is that a management principal is licensed as an insurance agent and may offer commissionable insurance products to clients; the brochure discloses this activity and the potential conflict it can create when advising on or selling insurer‑sponsored products. The firm is also a small, single‑advisor practice with approximately $31 million in assets under management and about 55 client relationships, which informs its operational arrangements with custodians and use of third‑party software and trade aggregation.