Valley Oak Investment Strategies LLC

Valley Oak Investment Strategies, LLC provides comprehensive financial planning, single-topic financial consulting, ongoing portfolio management, and retirement plan consulting to individuals, families, business owners, corporations, charities, and pension and profit-sharing plans, with an expressed emphasis on tax planning for business owners. The firm documents client goals and preferences before investing and offers tailored portfolios that can include model portfolios and custom models accessed through the Altruist Model Marketplace.

For investment management the firm typically uses third‑party sub‑advisers and model providers — the brochure names Bison Wealth and GeoWealth as sub‑advisers and describes use of Altruist models — and generally seeks discretionary authority to implement trades on clients’ behalf. For retirement plans the firm serves in a 3(21) capacity and refers plan sponsors to third‑party advisers for ongoing plan management, with referral arrangements disclosed in client materials.

Noteworthy operational and affiliation details disclosed in the brochure include advisory personnel who are licensed insurance professionals (with commissions from insurance sales paid separately from advisory fees) and an affiliation that permits certain advisors to act as registered representatives of a broker‑dealer and to implement transactions outside the adviser. The firm also operates under multiple dba names, manages a relatively modest asset base for a supported firm, maintains platform relationships with Altruist (including the Altruist One subscription), does not aggregate trades or permit directed brokerage, and requires client authorization for fee deductions from custodian accounts.