What Sets Valorem Apart

Flat Annual Fee

No percentage-based fees. No commissions. No hidden incentives.

Most advisors charge clients a percentage of their portfolio every year. As a client's portfolio balance grows with the market, the fee their advisors charge grows with it even if the advisor didn't do any additional work.

Fiduciary Advice

Advice that is legally and structurally aligned with your best interests.

Your advisor should only be paid to do what’s right for you, not what’s most profitable for them. As a fiduciary, Valorem is required to put your interests first, ensuring every recommendation is made to strengthen your financial position, not to earn a commission.

Access Beyond Public Markets

Opportunities to invest in private and alternative investments.

We help qualified investors access opportunities that go beyond traditional stocks and bonds, including private equity, private credit, and other alternatives. These investments can add diversification and potential return sources not typically available through public markets alone.

Flat Annual Fee

No percentage-based fees. No commissions. No hidden incentives.

Most advisors charge clients a percentage of their portfolio every year. As a client's portfolio balance grows with the market, the fee their advisors charge grows with it even if the advisor didn't do any additional work.

Fiduciary Advice

Advice that is legally and structurally aligned with your best interests.

Your advisor should only be paid to do what’s right for you, not what’s most profitable for them. As a fiduciary, Valorem is required to put your interests first, ensuring every recommendation is made to strengthen your financial position, not to earn a commission.

Access Beyond Public Markets

Opportunities to invest in private and alternative investments.

We help qualified investors access opportunities that go beyond traditional stocks and bonds, including private equity, private credit, and other alternatives. These investments can add diversification and potential return sources not typically available through public markets alone.

Flat Annual Fee

No percentage-based fees. No commissions. No hidden incentives.

Most advisors charge clients a percentage of their portfolio every year. As a client's portfolio balance grows with the market, the fee their advisors charge grows with it even if the advisor didn't do any additional work.

Fiduciary Advice

Advice that is legally and structurally aligned with your best interests.

Your advisor should only be paid to do what’s right for you, not what’s most profitable for them. As a fiduciary, Valorem is required to put your interests first, ensuring every recommendation is made to strengthen your financial position, not to earn a commission.

Access Beyond Public Markets

Opportunities to invest in private and alternative investments.

We help qualified investors access opportunities that go beyond traditional stocks and bonds, including private equity, private credit, and other alternatives. These investments can add diversification and potential return sources not typically available through public markets alone.

Book Your Free Consultation

How It Works

Step 1:Initial Conversation

We start with a straightforward conversation about what you're trying to accomplish with your money, what's keeping you up at night, and whether we're the right fit. This isn't a sales pitch. It's about figuring out if Valorem can actually help you.

Step 2:Strategy Design

We build a customized financial plan based on your risk tolerance, tax situation, and what you're trying to achieve long-term. This includes retirement planning, asset allocation, and tax optimization.

Step 3:Implementation

We put the plan into action. This means opening the necessary accounts, coordinating with your existing providers, and executing the trades to get your portfolio properly positioned.

Step 4:Ongoing Advice & Oversight

We stay on top of your portfolio as markets shift and your life changes. You get direct communication and recommendations that stay aligned with what you're trying to accomplish.

The Flat Fee Model

Value should accrue to you. Not be extracted by your advisor.

Many advisory firms charge a percentage of your assets, meaning the better your portfolio performs, the more you pay. For many families, this structure quietly extracts hundreds of thousands or even millions of dollars in fees over the years.

Valorem takes a different approach. We charge one straightforward annual fee of $15k. No percentages and no paying more just because you’ve been successful. You get ongoing advice, a dedicated advisor who knows your situation, and access to private investments typically limited to institutions and large family offices.

Book Your Free Consultation Flat Fee vs AUM Calculator

Total Fees Paid
Comparing cumulative fees over 20 years

The above example assumes a starting portfolio balance of $3m and an 8% annual return

The Hidden Cost of AUM Fees

Same markets. Same returns. Very different outcomes.

You’ve already seen how percentage based fees add up over time in the chart above. What’s less obvious is the second order effect: money paid in fees doesn’t just leave your account, it stops compounding.

The chart on the right compares two investors with the same starting portfolio balance and identical investment returns. The only difference is how the advisor is paid: a traditional 1% AUM fee versus Valorem’s flat $15k annual fee.

Over long periods, that difference alone leads to meaningfully different ending portfolio values.

  • Ending value with a traditional 1% advisor: $22,330,058
  • Ending value with Valorem’s flat fee: $28,488,723
  • The difference is approx $6.16m in your portfolio just because you opted to go with a flat fee model instead of a percentage based model

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Portfolio Growth Comparison
1% AUM vs Valorem Flat Fee (30 Year Projection)

Assumptions: $3,000,000 starting balance, 8% annual growth, 1% AUM fee or $15,000 flat fee.

What world class investors say

Warren Buffett

Founder of Berkshire Hathaway

When trillions of dollars are managed by Wall Street, charging high fees, it is usually the managers who reap the average investor’s returns, not the investors.

Jack Bogle

Founder of Vanguard

The miracle of compounding returns is overwhelmed by the tyranny of compounding costs.

Private Market Access

Beyond the Traditional 60/40 Portfolio

Most investors are familiar with a traditional mix of stocks and bonds. While that approach can work, it represents only a portion of the investable universe.

Many of the largest and most sophisticated investors in the world, including major endowments and family offices, allocate heavily to private markets. They do so to access opportunities that behave differently from public markets and to broaden diversification.

Private markets span a wide range of strategies, including private equity, private credit, real estate, energy, infrastructure, and natural resources. These opportunities are often difficult for individual investors to access on their own.

Valorem seeks to bring select private opportunities to the table that we believe offer attractive risk adjusted return potential and diversification benefits. These investments are used thoughtfully and alongside traditional holdings, not as a replacement for them.

Access to private investments is included within Valorem’s flat annual fee. Our role is to help clients understand where private markets may add value and how they fit within a long term plan.

 

Types of Private Deals

Private Equity

Investing in established companies to drive long-term growth

Venture Capital

Funding early-stage companies with high growth potential

Real Estate

Private investments in income-producing real estate assets

Private Credit

Direct lending to private companies for income

Energy

Investments across traditional and renewable energy markets

Infrastructure

Ownership of essential assets supporting economic activity

Frequently Asked Questions 

  • How is Valorem's flat-fee model different from a traditional advisor?

    Traditional advisors charge a percentage of your assets (e.g., 1% AUM), meaning their fee rises automatically as your portfolio grows, even if they do no additional work. Valorem charges annual flat fee based on the complexity of your planning needs. This simpler, cheaper pricing model ensures our success is aligned with your total financial growth, and allows clients to save a ton of money often hundreds of thousands or even millions of dollars in fees over their lifetime letting the vast majority of your wealth accrue to you.

  • Do I need a minimum amount of assets to work with Valorem?

    Valorem does not have a strict asset minimum. We focus on the complexity of your financial life. However, given the structure of our flat annual fee, the financial benefits of working with us and realizing the full cost savings really start to achieve escape velocity at $1.5M+ in investable assets. We encourage you to schedule a consultation to see how our model fits your unique situation.

  • Are you a Fiduciary?

    Yes, Valorem Wealth is a Registered Investment Advisor (RIA) and operates as a fiduciary 100% of the time. We are legally and ethically bound to act in your best interest. This eliminates the product-driven conflicts common in commission-based or sales-oriented firms.

  • What kind of alternative investments do you provide access to?

    We aggregate client capital to access institutional grade investments typically reserved for large allocators. This includes high-quality private equity, private credit, specialized real estate funds, and energy investments, all designed to introduce uncorrelated returns and real portfolio diversification.

  • How can I schedule an initial consultation with a Valorem advisor?

    You can schedule a meeting anytime using our Calendly link. Just pick a time that works for you. We look forward to talking about your financial goals.

Schedule a Meeting