Value Wealth Management LLC

Value Wealth Management provides fee-only financial planning and discretionary portfolio management primarily to individual and high‑net‑worth clients, overseeing about $103.6 million for roughly 68 accounts. The firm’s services cover investments, income‑tax and cash‑flow budgeting, retirement and estate planning, and small‑business financial management, with client meetings typically scheduled every six months.

The firm’s investment process emphasizes customized strategic asset allocation driven by client cash‑flow timing and an objective of minimizing the probability of future cash‑flow shortfalls rather than relying solely on risk‑aversion questionnaires, combined with a tactical overlay informed by fundamental research and valuation. Portfolios are constructed using mutual funds, ETFs, closed‑end funds and individual securities across a broad set of asset classes, with a tendency to favor passive vehicles in highly efficient markets and active or specialized managers where inefficiencies exist.

Noteworthy operational features include the firm’s use of borrowing within separately managed accounts — a practice the brochure signals through custodian selection criteria that consider margin interest rates — which is uncommon among peer firms of this size. The firm also aggregates outside custodial accounts through a third‑party provider (ByAllAccounts), declines soft‑dollar arrangements, and notes over 25 years of experience serving a relatively small client base under a percentage‑of‑AUM fee model.