Valor Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$777,437
Total clients
43
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
43
Average account size
$18,080
About
Valor Financial Planning works with individual clients (including both non‑high‑net‑worth and higher‑net‑worth households), as well as charitable organizations and businesses, to provide comprehensive financial planning, discretionary investment management, and project- or hourly-based consulting. The firm also offers retirement-plan advisory services as a limited‑scope ERISA 3(21) fiduciary, including plan design guidance and participant education.
Investment advice emphasizes long‑term, predominantly passive asset allocation implemented with low‑cost mutual funds and ETFs, while allowing for tactical adjustments or individual securities when appropriate; the firm manages employer retirement and personal accounts with attention to asset‑location and tax efficiency. Financial planning relationships may be structured on an ongoing monthly flat‑fee basis, with more limited engagements handled via hourly or project agreements.
Noteworthy distinctions include the firm’s subscription‑style ongoing planning fee option, an arrangement that is uncommon among independent advisers of this type, and a documented service focus on student‑loan consulting and forgiveness support (e.g., PSLF and income‑driven repayment). The firm operates on a fee‑only basis, provides discretionary account management, and leverages an institutional custody platform and digital tools for account onboarding and reporting.
Client services
Financial planning
Portfolio management
Expertise
College savings (529s, UTMA, etc.)
Student loan debt
Debt management
Cash flow / budgeting
Fee options
$0+: 0.50% $0 - $1,000,000: 1.00% $1,000,000 - $2,000,000: 0.75% $2,000,000 - $5,000,000: 0.50% $5,000,000+: Negotiable
$100 per hour, negotiable
Ongoing financial planning engagement charged as flat monthly fee between $100-$500 based on complexity
Fee-only: Financial planning charged as flat monthly fee $100-$500; Hourly consulting at $100/hour; Project-based fees $1,000-$3,000; Ongoing retainer consulting negotiated monthly fee
Main office location
Valor Financial Planning
700 Swadley Rd
Johnson City TN 37601, United States
Number of offices
1
Most active in
Valor Financial Planning has reported serving >5 clients in these states in the last 12 months.
Tennessee · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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