{"url":"https://nivawealth.com/firms/valley-wealth-strategies-289737","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/289737","regulatoryAum":1447751335,"crd":"289737","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1562682","suffix":null,"lastName":"BOWAN","firstName":"EUGENE","middleName":"GEORGE"},{"crd":"1190936","suffix":null,"lastName":"BROUNLEY","firstName":"DAVID","middleName":"ALLEN"},{"crd":"5092821","suffix":null,"lastName":"BULLARD","firstName":"PHILIP","middleName":"BRIAN"},{"crd":"2966622","suffix":null,"lastName":"BUSTER","firstName":"DANIEL","middleName":"JASON"},{"crd":"8048533","suffix":null,"lastName":"DeAndreis","firstName":"Grant","middleName":null},{"crd":"4471291","suffix":null,"lastName":"HUGHES","firstName":"ERIC","middleName":"ERNST"},{"crd":"4818744","suffix":null,"lastName":"KIKUGAWA","firstName":"NICOLE","middleName":"KIOMI"},{"crd":"1787489","suffix":null,"lastName":"KRUZICK","firstName":"KELLY","middleName":"ANN"},{"crd":"4821814","suffix":null,"lastName":"MANOHORATHAT","firstName":"AHAMAD","middleName":null},{"crd":"3166236","suffix":null,"lastName":"MARTINEZ","firstName":"OSCAR","middleName":null},{"crd":"4663329","suffix":null,"lastName":"MUELLER","firstName":"MICHAEL","middleName":"JOHN"},{"crd":"4243853","suffix":null,"lastName":"MUNOZ","firstName":"ESTEVAN","middleName":"RUIZ"},{"crd":"2539896","suffix":null,"lastName":"P. 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They include 3,689 individual clients, 277 high-net-worth individuals, and 68 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 June 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Valley Wealth Strategies offer?","answer":"Valley Wealth Strategies provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Valley Wealth Strategies charge?","answer":"Valley Wealth Strategies charges 1.00%–1.25% a year for its Investment Advisory Services. The fee is billed in advance or in arrears and is negotiable.","source":"VWS FORM ADV 2A FIRM BROCHURE, filed 27 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Valley Wealth Strategies use?","answer":"Valley Wealth Strategies’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $814M, LPL Financial LLC (Fort Mill, SC), with $252M and Broadridge Financial Solutions, Inc. (Lake Success, NY), with $161M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 June 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Valley Wealth Strategies have?","answer":"Valley Wealth Strategies has 26 investment adviser representatives registered with state securities authorities, out of 59 employees, and 26 perform investment advisory functions. 26 employees are registered representatives of a broker-dealer and 25 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Valley Wealth Strategies invest in?","answer":"At the end of its last fiscal year, Valley Wealth Strategies’ separately managed accounts held 65% registered funds (mutual funds, ETFs, BDCs), 22% exchange-traded equities, 8% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Valley Wealth Strategies?","answer":"Valley Wealth Strategies’ direct owner is Daniel Raymond (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 1 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Valley Wealth Strategies get paid?","answer":"Valley Wealth Strategies is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Valley Wealth Strategies?","answer":"Valley Wealth Strategies’ main office is at 404 W. Pine Street, Suite 6, Lodi, CA 95240. Its phone number is 209-366-1264. Its website is zukfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 June 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}