Valor Financial Services provides financial planning and portfolio management for individuals and small businesses.
Valor Financial Services reports 1,675 clients. They include 1,629 individual clients and 46 high-net-worth individuals. Of its assets, 100.0% ($273M across 1,675 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 97% | 68% |
| High-net-worth individuals | 3% | 32% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 1,629 | $185M | 67.7% | $114K |
| High-net-worth individuals | 46 | $88.3M | 32.3% | $1.92M |
| Total | 1,675 | $273M | 100% | $163K |
- Clients
- 1,629
- Regulatory AUM
- $185M
- AUM share
- 67.7%
- Avg. per client
- $114K
- Clients
- 46
- Regulatory AUM
- $88.3M
- AUM share
- 32.3%
- Avg. per client
- $1.92M
Total
- Clients
- 1,675
- Regulatory AUM
- $273M
- AUM share
- 100%
- Avg. per client
- $163K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Valor Financial Services charges up to 1.25% a year for its Asset Management. The fee is billed in advance and is negotiable.
Fee details and sources
William Timm owns 75% or more of Valor Financial Services. The leadership team of Valor Financial Services includes Chief Compliance Officer William Timm. It has 2 employees.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- 2 insurance agents
- Owns 75% or more of Valor Financial Services, LLC
William Timm
Control person · since May 2020
- Owns 25% to 50% of Valor Financial Services, LLC
Brian Russell
Control person · since May 2020
Valor Financial Services’ regulatory assets grew 1.5× from $180M (April 2021) to $273M (January 2026); clients rose from 1,208 to 1,675 and employees fell from 3 to 2.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jan 2026January 2026 | $273M | 1,675 | 2 | 1 |
| Apr 2025April 2025 | $252M | 1,615 | 2 | 1 |
| Jan 2024January 2024 | $213M | 1,572 | 2 | 1 |
| Feb 2023February 2023 | $202M | 1,450 | 2 | 1 |
| Jan 2022January 2022 | $195M | 1,346 | 2 | 1 |
| Apr 2021April 2021 | $180M | 1,208 | 3 | 2 |
Besides its headquarters, Valor Financial Services has 0 offices, with 1 listed address in 1 state.
Tennessee · 1 listed address
- 10820 Murdock Drive, Suite 102, KnoxvilleHQ
Contact and registration details
- Legal name
- Valor Financial Services, LLC
- Headquarters
- 10820 Murdock Drive, Suite 102, Knoxville, TN 37932
- Website
- valorfs.net
- Phone
- 865-675-1200
- @90495758
- SEC file
- 801-119269
- Structure
- Tennessee LLC
- Fiscal year end
- December
Valor Financial Services’ named custodian for separately managed accounts is Charles Schwab ($273M). Valor Financial Services has custody of $224M for 1,378 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $273M100%
At year end, Valor Financial Services’ separately managed accounts were largely in funds (36%) and bonds (31%).
What the accounts hold
- Stocks9%
- Funds36%
- Bonds31%
- State and local bonds15%
- U.S. government and agency bonds8%
- Investment grade corporate bonds8%
- Cash24%
How many clients does Valor Financial Services have?
Valor Financial Services has 1,675 clients and manages $273 million for them, as of January 2026. They include 1,629 individual clients and 46 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 13 January 2026
What services does Valor Financial Services offer?
Valor Financial Services provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Valor Financial Services charge?
Valor Financial Services charges up to 1.25% a year for its Asset Management. The fee is billed in advance and is negotiable.
Which custodians does Valor Financial Services use?
Valor Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $273M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 January 2026
How many financial advisors does Valor Financial Services have?
Valor Financial Services has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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
What does Valor Financial Services invest in?
At the end of its last fiscal year, Valor Financial Services’ separately managed accounts held 36% registered funds (mutual funds, ETFs, BDCs), 24% cash and equivalents, 15% state and local bonds, 9% exchange-traded equities, 8% U.S. government and agency bonds and 8% 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
Who owns Valor Financial Services?
Valor Financial Services’ direct owners are William Timm (75% or more) and Brian Russell (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 13 January 2026
How does Valor Financial Services get paid?
Valor Financial Services is paid through a percentage of assets under management. 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
How do I contact Valor Financial Services?
Valor Financial Services’ main office is at 10820 Murdock Drive, Suite 102, Knoxville, TN 37932. Its phone number is 865-675-1200. Its website is valorfs.net.