Valued Retirements provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars. Financial planning was provided to 51–100 clients last fiscal year.
Valued Retirements reports 91 clients. They include 49 high-net-worth individuals, 40 individual clients and 1 charitable organization. Of its assets, 100.0% ($190M across 309 accounts) are managed with discretion. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 44% | 7% |
| High-net-worth individuals | 54% | 92% |
| Charitable organizations | 1% | <1% |
| Corporations and other businesses | 1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 40 | $13.8M | 7.2% | $344K |
| High-net-worth individuals | 49 | $176M | 92.3% | $3.58M |
| Charitable organizations | Fewer than 5 | $722K | 0.4% | $722K |
| Corporations and other businesses | 1 | $61.9K | 0.0% | $61.9K |
| Total | 91 | $190M | 100% | — |
- Clients
- 40
- Regulatory AUM
- $13.8M
- AUM share
- 7.2%
- Avg. per client
- $344K
- Clients
- 49
- Regulatory AUM
- $176M
- AUM share
- 92.3%
- Avg. per client
- $3.58M
- Clients
- Fewer than 5
- Regulatory AUM
- $722K
- AUM share
- 0.4%
- Avg. per client
- $722K
- Clients
- 1
- Regulatory AUM
- $61.9K
- AUM share
- 0.0%
- Avg. per client
- $61.9K
Total
- Clients
- 91
- Regulatory AUM
- $190M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Valued Retirements charges 0.60%–1.00% a year for its Investment management. The fee is billed in arrears, is negotiable and has a $5,000 annual minimum. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Fixed fee of $5,000 to $10,000 under a separate contract, negotiable by scope; project work requires half the fee on signing.
- Wealth coordination
- Flat monthly fee of $1,000 to $25,000 based on complexity, charged in addition to investment management or planning fees and billed quarterly or monthly in arrears.
Sarah Mizell owns 25% to 50% of Valued Retirements. The leadership team of Valued Retirements includes President Cory Mizell and Chief Compliance Officer Sarah Mizell. It has 4 employees, 3 of them in advisory roles.
Leadership
Cory MizellVice President and Chairman of the Board
Sarah MizellPresident, Chief Compliance Officer, and Secretary of the Board- Malcolm MorrisPartner, Business Counsel
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 25% to 50% of Valued Retirements, Inc.
Sarah Mizell
Control person · since February 2026
- Owns 25% to 50% of Valued Retirements, Inc.
Cory Mizell
Control person · since September 2024
- Owns 10% to 25% of Valued Retirements, Inc.
Malcolm Morris
since March 2022
Valued Retirements’ regulatory assets grew 1.6× from $118M (March 2023) to $190M (April 2026); clients rose from 76 to 91 and employees from 3 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $190M | 91 | 4 | 2 |
| July 2025 | $167M | 86 | 6 | 2 |
| March 2024 | $151M | 80 | 4 | 2 |
| March 2023 | $118M | 76 | 3 | 1 |
Besides its headquarters, Valued Retirements has 1 office, with 2 listed addresses in New Mexico and Texas.
New Mexico · 1 listed address
- 2125 Wyoming BLVD, Ne, Albuquerque
Texas · 1 listed address
- 710 North Post Oak Road, Suite 420, HoustonHQ
Contact and registration details
- Legal name
- Valued Retirements, Inc.
- Headquarters
- 710 North Post Oak Road, Suite 420, Houston, TX 77024-3894
- Website
- covewm.com
- Phone
- 713-821-3243
- SEC file
- 801-127700
- Structure
- Texas corporation
- Fiscal year end
- December
Valued Retirements uses Charles Schwab ($167M) as custodian for its separately managed accounts. Valued Retirements does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $167M100%
At year end, Valued Retirements’ separately managed accounts were mostly in funds (62%) and stocks (22%). Its reported 13F holdings for the quarter ended 30 June 2026 total $111M across 101 positions; the largest are Invesco Qqq TR (5.9%), Vanguard Index Fds (5.4%) and Dimensional ETF Trust (5.3%).
What the accounts hold
- Stocks22%
- Exchange-traded equities21%
- Non-exchange-traded equities1%
- Funds62%
- Bonds8%
- Cash8%
Reported 13F holdings
- $111M
- Reported 13F value
- 101
- Positions
- 44.3%
- In the 10 largest
- +8.8%
- Value vs. prior quarter
- Invesco Qqq TR · Unit Ser 15.9%
- Vanguard Index Fds · S&P 500 ETF Shs5.4%
- Dimensional ETF Trust · Internatnal Val5.3%
- Fidelity Covington Trust · High Divid ETF4.9%
- Exxon Mobil Corp.4.7%
- iShares TR · MSCI USA Value4.5%
- Sprott Asset Management LP · Physical Gold TR4.0%
- Apple Inc.3.7%
- Invesco Exch Traded FD TR II · S&P Smallcap 6003.1%
- iShares TR · Rus Tp200 GR ETF2.9%
Together, the ten largest are 44.3% of reported value.
How many clients does Valued Retirements have?
Valued Retirements has 91 clients and manages $190 million for them, as of April 2026. They include 49 high-net-worth individuals, 40 individual clients and 1 charitable organization.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 14 April 2026
What services does Valued Retirements offer?
Valued Retirements provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Valued Retirements charge?
Valued Retirements charges 0.60%–1.00% a year for its Investment management. The fee is billed in arrears, is negotiable and has a $5,000 annual minimum.
Which custodians does Valued Retirements use?
Valued Retirements’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $167M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 14 April 2026
How many financial advisors does Valued Retirements have?
Valued Retirements has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Valued Retirements invest in?
At the end of its last fiscal year, Valued Retirements’ separately managed accounts held 62% registered funds (mutual funds, ETFs, BDCs), 21% exchange-traded equities, 8% state and local bonds, 8% cash and equivalents and 1% non-exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Valued Retirements?
Valued Retirements’ direct owners are Sarah Mizell, Cory Mizell and Malcolm Morris, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 14 April 2026
How does Valued Retirements get paid?
Valued Retirements 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
How do I contact Valued Retirements?
Valued Retirements’ main office is at 710 North Post Oak Road, Suite 420, Houston, TX 77024-3894. Its phone number is 713-821-3243. Its website is covewm.com.