{"url":"https://nivawealth.com/firms/valor-financial-services-309377","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/309377","regulatoryAum":273274393,"crd":"309377","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"3267319","suffix":null,"lastName":"RUSSELL","firstName":"BRIAN","middleName":"LEE"},{"crd":"3233169","suffix":null,"lastName":"TIMM","firstName":"WILLIAM","middleName":"ARTHUR"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-21","regulatoryAum":180120011,"clients":1208,"employees":3,"offices":2},{"filedOn":"2022-01-19","regulatoryAum":194803338,"clients":1346,"employees":2,"offices":1},{"filedOn":"2023-02-13","regulatoryAum":202469488,"clients":1450,"employees":2,"offices":1},{"filedOn":"2024-01-23","regulatoryAum":212760377,"clients":1572,"employees":2,"offices":1},{"filedOn":"2025-04-29","regulatoryAum":252442405,"clients":1615,"employees":2,"offices":1},{"filedOn":"2026-01-13","regulatoryAum":273274393,"clients":1675,"employees":2,"offices":1}],"secFileNumber":"801-119269","legalName":"Valor 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2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":163148.89134328358,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":273274393,"discretionary":273274393,"discretionaryAccounts":1675,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":1629,"regulatoryAum":184924822},{"label":"High-net-worth individuals","clients":46,"regulatoryAum":88349571}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001507","versionId":1001507,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-01-13","documentName":"FORM ADV PART 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more ownership band and a control person, since May 2020."},{"label":"Brian Russell","detail":"Managing member in the 25% to 50% ownership band and a control person, since May 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Tennessee","offices":1,"addresses":[{"street":"10820 Murdock Drive, Suite 102","city":"Knoxville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"865-675-1200","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":9},{"label":"U.S. government/agency bonds","percent":8},{"label":"U.S. state and local bonds","percent":15},{"label":"Investment grade corporate bonds","percent":8},{"label":"Securities issued by registered investment companies or business development companies","percent":36},{"label":"Cash and cash equivalents","percent":24}],"privateFunds":0},"sources":{"adv1FilingDate":"13 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/309377/PDF/309377.pdf","brochureDate":"13 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001507","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Valor Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Valor Financial Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Valor Financial Services charge?","answer":"Valor Financial Services charges up to 1.25% a year for its Asset Management. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A, filed 13 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Valor Financial Services use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Valor Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Valor Financial Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Valor Financial Services?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Valor Financial Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Valor Financial Services?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 13 January 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."}