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They include 117 individual clients and 69 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Valpey Financial Services offer?","answer":"Valpey Financial Services provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, and philanthropic planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Valpey Financial Services charge?","answer":"Valpey Financial Services charges 0.25%–0.85% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, has a $6,000 annual minimum and requires an account of at least $750,000.","source":"FORM ADV PART 2A AND 2B DISCLOSURE BROCHURE, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Valpey Financial Services use?","answer":"Valpey Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $226M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Valpey Financial Services have?","answer":"Valpey Financial Services has 1 investment adviser representative registered with state securities authorities, out of 4 employees, and 1 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Valpey Financial Services invest in?","answer":"At the end of its last fiscal year, Valpey Financial Services’ separately managed accounts held 91% registered funds (mutual funds, ETFs, BDCs), 5% exchange-traded equities, 2% cash and equivalents and 2% other. The 2% other category is described as: Certificates of Deposit (CDS).","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":"Does Valpey Financial Services have a minimum investment?","answer":"Yes, Valpey Financial Services’ minimum account size for its Investment Management Services is $750K. It charges a $6K annual minimum fee.","source":"FORM ADV PART 2A AND 2B DISCLOSURE BROCHURE, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Valpey Financial Services?","answer":"Valpey Financial Services’ direct owner is Ronald Valpey (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Valpey Financial Services get paid?","answer":"Valpey Financial Services is paid through a percentage of assets under management and hourly charges. 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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."}