Water Valley Investment Advisors, Inc.

Water Valley Investment Advisors, Inc. provides ongoing portfolio management and related advisory services to individuals, high-net-worth individuals, and charitable organizations, preparing an Investment Policy Statement for each client to document goals, risk tolerance and time horizon. The firm offers tailored portfolio construction and monitoring, reporting account activity monthly through the custodian and providing at least quarterly written statements.

WVIA’s investment process emphasizes fundamental analysis and long-term trading, with portfolios primarily constructed from mutual funds alongside equities, fixed income and ETFs; it may use model allocations combined with client-specific recommendations. The firm generally seeks discretionary authority to select securities and execute transactions and states a policy of attempting fair and equitable allocation of investment opportunities among clients.

Several operational practices distinguish WVIA from many peers: as of December 2023 the firm reported virtually all assets as discretionary ($125,470,000 discretionary versus $0 non-discretionary), it does not aggregate or “block” trades for multiple clients, and its brochure discloses that the firm or related persons may have material financial interests in securities it recommends (client approval is sought where applicable). WVIA also does not use third‑party advisers or participate in wrap programs and states there is no account minimum for its services.