Integrating all aspects of your financial life
Reducing interest paid, taxes and fees
Organizing and simplifying your finances
Earning returns worth the risk taken
Creating peace of mind
Our service is a continuous process of thoughtfully identifying and implementing solutions to ensure all aspects (insurance, cash flow/taxes, investments and estate) of your financial life are integrated with one another, to lower costs (interest paid, taxes and fees), to achieve better risk-adjusted investment results, to become better organized and repeating this process so you have peace of mind to know it is going to stay that way.
Life is busy and this often leads to the neglect of important things like your personal finances. What we do is not overly complicated and most educated people could do it for themselves if given the time. By outsourcing to experts, like Valeo, you no longer have to spend the time making sure you are considering and implementing everything that you should for your own financial situation.
Reducing Interest Paid, Taxes and Fees
Most people do not mind paying interest, taxes or fees; however, they want to be sure they are not paying more than they should. We ensure this by helping identify and negotiate investment costs, interest rates and insurance premiums, and developing an overall tax-efficient game plan.
Organization and Simplification
It is hard to make good decisions if you do not have the information at hand to do so. By consolidating unnecessary accounts, scanning old records electronically for future reference and organizing the remaining information in an easy-to-understand file structure, we make it easier for clients to make good decisions.
Risk versus Reward
We charge fees that are reasonable so that we are not biased toward risky investments to justify our fees. By providing a comprehensive service that includes tax and debt strategy, we often find ways to achieve returns that have nothing to do with investing. We use the term conservative creativity to describe how this comprehensive approach can generate returns without additional risk.
Confidence comes from knowing you are doing the best you can. This means having a process that keeps you on track to achieve your goals. We facilitate this process by developing the initial game plan, meeting regularly to track progress and making adjustments along the way.
Peace of Mind
As a result of the items noted above, we inevitably create a greater peace of mind with regard to your overall financial life.