One flat price.
Period.
Paying more because you have more is a relationship you already have. It's called the IRS.
- Tax Strategy & Annual Projections
- RSU, ESPP & NUA Planning
- 0% AUM Direct Indexing with Daily Tax-Loss Harvesting
- Estate Plan Review & Beneficiary Audit
- SBLOC & High-Yield Cash Access
- Everything in Tier 1, plus:
- ISO/NSO Timing & AMT Modeling
- Options Hedging: Covered Calls & Collars
- Estate Document Preparation & Charitable Giving
- Alternatives: PE, Credit, Real Estate, Venture
- Everything in Tier 2, plus:
- Quarterly Tax Projections & CPA Quarterbacking
- Residency & Multi-Entity K-1 Coordination
- 10b5-1 Plans & IPO Planning
- Estate Tax Modeling & Advanced Gifting
- Concierge Service & Quarterly Reviews
We like to keep things simple.
We never take a cut.
No products, no kickbacks.
Every tier, in detail.
| Tier 1$10,000 / yr | Tier 2$15,000 / yr | Tier 3$25,000 / yr | |
|---|---|---|---|
| Tax strategies | |||
| Tax Projections | Annual | Annual | Quarterly |
| Tax Strategy & Prior-Year Return Review | |||
| RSU, ESPP & NUA Mapping | |||
| Backdoor & Mega-Backdoor Roth | |||
| Asset Location & NIIT Optimization | |||
| Discounted CPA Partner Pricing | |||
| ISO/NSO Timing & AMT Modeling | |||
| Crypto Tax Planning | |||
| Residency & Domicile Planning | |||
| Multi-Entity K-1 Coordination | |||
| Estate coordination | |||
| Estate Plan Review & Beneficiary Audit | |||
| Structure Design & Attorney Coordination | |||
| Will, Trust, POA & Directive Preparation (Encore Estate Plans) | |||
| Trust Funding | |||
| Charitable Giving & DAF | |||
| Gifting & Wealth Transfer | |||
| Estate Tax Modeling & Advanced Gifting | |||
| Next-Generation Planning | |||
| Investment management | |||
| 0% AUM Fees | |||
| Daily Tax-Loss Harvesting | |||
| Low-Cost & Tax-Efficient ETFs | |||
| Direct Indexing | |||
| Long/Short Direct Indexing | |||
| Options Hedging | |||
| Alternatives: PE, Credit, Real Estate, Venture | |||
| 10b5-1 Plan Design | |||
| Capital Call Planning | |||
| IPO & Secondary Sale Planning | |||
| Real estate | |||
| Property Analysis | |||
| Ownership Structure Planning | |||
| Depreciation Review | |||
| Rental Portfolio & 1031 Exchange Planning | |||
| Banking & liquidity | |||
| High-Yield Cash | |||
| SBLOC & Margin Access | |||
| Stock Option Financing | |||
| Planning & service | |||
| CFP®-led Strategy Reviews | Semi-Annual | Semi-Annual | Quarterly |
| Cash Flow & Retirement Projections | |||
| Education Planning | |||
| Insurance & Benefits Review | |||
| Unlimited Messaging | |||
Your portfolio size is not our invoice.
AUM fees grow with your portfolio. Every dollar paid off the top is a dollar that never grows again. Our pricing is based on complexity, not assets. Enter your numbers and see the difference.
Over 30 years, that's $5,869,000 you keep.
Illustrative comparison at your selected tier, with the flat fee assumed to increase 3% annually. A fee comparison only; not a projection of investment returns or tax savings. AUM fees reflect industry-average effective rates by account size, averaged from the Kitces Research study and Fidelity RIA Benchmarking Study; rates between published data points are interpolated. Assumes a constant annual return you select, with no contributions or withdrawals; actual returns vary and may be negative. Valence tier pricing is based on planning complexity, not portfolio size. See our Fee Comparison Methodology for full assumptions and sources.
Fair questions, straight answers.
Are you a fiduciary?
What does the flat fee include?
How do the tiers differ?
How am I billed?
Will the fee go up as my portfolio grows?
Who is Valence not a fit for?
Start with a conversation.
Sixty minutes, no pitch, no pressure. Bring your questions. We'll walk through your situation and see if we're a fit.
Valence Wealth, LLC is an Arizona state registered investment adviser. Registration of an investment adviser does not imply any specific level of skill or training.
This website is for general informational purposes only and should not be construed as personalized investment, tax, or legal advice, or as an offer, recommendation, or solicitation to buy or sell any security. All investing involves risk, including possible loss of principal. Past performance does not guarantee future results.
Valence coordinates plan creation via specialized third-party software (Encore Estate Plans) and independent estate attorneys; document drafting costs may apply.
Tax preparation and filing are provided by Rivet Tax, an independent CPA firm, at the client's election and expense. Valence receives no compensation from Rivet Tax.
Securities-backed lending, margin, and fully paid securities lending are capabilities offered through the custodian, not credit products of Valence. Borrowing against securities carries risk, including potential forced liquidation. High-yield cash rates are variable and not guaranteed.
The flat fee does not include fund expense ratios or third-party manager fees.
Tax-loss harvesting and direct indexing strategies seek to reduce taxes but do not guarantee tax savings; results vary based on individual circumstances, holdings, and market conditions.
Complexity beyond a tier's scope (additional K-1s, additional states, specialist options or hedging providers, complex estate document drafting) is passed through at vendor cost, separate from the flat price.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the United States, which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.