Valentine Wealth Management

Valentine Wealth Management is a fee-only registered investment adviser that provides investment management, financial planning (both ongoing and project-based), and retirement plan consulting and management to individuals — including high-net-worth clients — and plan sponsors. The firm is small, operating with two advisors and managing roughly $21 million in client assets across a limited client base.

The firm’s investment approach is rooted in Modern Portfolio Theory and primarily uses passive strategies implemented through diversified mutual funds and ETFs, with discretionary portfolio management calibrated to clients’ objectives and risk tolerances. It also supports “held-away” accounts via a third‑party order management system (Pontera Solutions) to implement asset allocation changes in employer plans and other held-away vehicles while using an institutional custodian platform for execution and custody.

Noteworthy distinctions include an affiliation with a separate fractional CFO and business‑consulting firm run by the firm’s principal, a relationship the brochure discloses may lead to referral-related conflicts of interest though clients are not obliged to use both services. The firm also offers educational seminars and speaking engagements for groups and provides limited-scope ERISA 3(21) retirement-plan advisory services, features that are less common among similarly sized supported advisers.