Valpey Financial Services LLC

Valpey Financial Services is an SEC-registered advisory firm that provides investment management and financial planning to individuals (including high-net-worth), as well as trusts, estates, corporations, and charitable organizations. The firm limits new client intake and generally requires $750,000 in assets to accept a new client, although that minimum may be reduced or waived at the firm’s discretion.

The firm employs a strategic asset allocation framework to build diversified portfolios tailored to each client’s goals, time horizon, and risk tolerance, and generally favors passive/indexed strategies and low-cost ETFs or mutual funds when appropriate. Accounts are monitored on an ongoing basis with formal reviews at least annually, and financial planning is provided as part of management engagements or on a fee-for-service basis for non-managed clients.

Notable operational features include a single advisor overseeing more than $200 million in client assets across roughly 186 clients, and a general practice of executing trades for individual accounts rather than routinely aggregating orders, which can lead to differing execution outcomes across accounts. The firm’s principal holds an insurance license and may refer clients to insurance specialists (without receiving commissions), recommends a major custodial platform and receives institutional services from that custodian, and does not accept proxy-voting authority—clients receive and vote their own proxies.