LIVE BOLDLY. PLAN WISELY.
No commissions, limited conflicts.
Biases and conflicts may always exist – we do everything we can to minimize them.
The plan you need.
You deserve better than a one-size-fits-all financial plan.
The path to get you there.
Six easy steps, done at your pace, to make sure you’re on the right track.
ABOUT VALOR
What is Fee-Only Advising?
Financial advice without hidden agendas. Our only compensation comes directly from you, the client, and not commissions on the financial products that we recommend. This means our focus is entirely on your financial well-being, providing personalized strategies designed to achieve your specific goals, and ensuring you have a partner who’s truly on your side.
Meet the Founder, Matthew Albritton
My journey to becoming a financial planner wasn’t just about numbers—it was and is about purpose. Early in my career, I saw firsthand how financial decisions could either empower or overwhelm people. I knew I wanted to help individuals and families take control of their financial future, providing them with clarity and confidence in their decisions.
With that mission in mind, I launched Valor Financial Planning, a firm built on the principles of integrity, transparency, and a deep commitment to helping clients achieve their goals. I specialize in working with young professionals, families, and business owners, guiding them through major financial milestones such as investing, debt reduction, retirement planning, and wealth-building strategies.
The Valor Approach
We take a modern and personalized approach, leveraging technology and straightforward financial strategies to simplify the complexities of financial planning. We believe that financial success isn’t about chasing the next big investment—it’s about creating a plan that aligns with your values, lifestyle, and long-term aspirations.
Education is at the heart of everything we do. We’re committed to continuous learning to ensure we bring the most up-to-date and valuable insights to our clients. We also believe in making financial education accessible in a judgment-free zone, where clients feel empowered to ask questions and build financial confidence.
OUR PROCESS
Your financial partner
from day one
Your financial
partner from
day one
01. Introduce
This is our chance to get to know one another, discuss your financial and life goals, and see if we’d be the right fit.
This isn’t a high-pressure sale – it’s really quite the opposite. We don’t work with anyone who isn’t an emphatic fan of who we are and what we do, and we’re happy to recommend other financial advisors who we think might better suit your needs.
The meeting can take place via phone, video chat, or in person; whichever is easiest for you.
02. Onboard
This is where we deep dive into where you’re at, where you want to go, and how we’re going to help get you there.
We start with a short Client Questionnaire and Risk Tolerance Portfolio to lay the foundation. Both of which can be done by yourself on your own time, or together if that’s what you’d prefer.
Next we’ll gather all the info and documents we need to best understand your current situation, that way we can build the financial plan thats best for you.
03. Plan
Here’s the part where you financial plan truly starts to come together.
We work with all the information and documentation you provided, take meticulous notes, and may reach out for additional items as necessary.
The goal during this stage is to determine the strategies and tactics that best fit you and your family, and combine them into a single financial plan that’s easy to understand and implement.
04. Review
After putting together what we believe is the right plan for you and your family, we’ll set a time to get together and go over it.
This is your chance to ask questions, push back, and get the clarification you need.
The goal is a financial plan you love and believe in.
And we know that financial success is a team effort, which is why we invite you to bring along the family, so we can get buy-in from everyone involved.
05. Implement
Now things are getting real.
This is where we’ll implement the finalized financial plan:
- Do assets need to be moved?
- Are new accounts necessary?
- Is it time for an insurance review to add/replace policies?
- Do you need to follow up with HR?
- etc.
We have a bias toward action, but we’ll move at your pace, and guide you through everything along the way.
06. Optimize
Life happens.
You move, change jobs, sell your business, fall sick, receive an inheritance, welcome a new family member.
It all impacts your financial plan, and we want to make sure it’s handled with care.
That’s why we meet with all of our clients regularly, and you can can schedule with us anytime.
We’re here to help you through the hard times, and celebrate with you during the good.
Let's Chat
The next step on
your financial journey
The next step
on your
financial journey
Resources
Some quick
financial guidance
Book an intro call above or shoot us an email at matthew@planwithvalor.com
Stay in touch
Financial Planning
Financial planning is first on our list with good reason: It lays the foundation for all of the strategies, tactics, adjustments, and benchmarks we’ll use going forward. It’s the bedrock upon which all our other services are built. We believe in establishing a strong financial foundation before making investment decisions.
Contrary to popular belief, financial planning isn’t just investing in stocks and picking the right life insurance, it’s:
- Goal setting
- Risk tolerance
- Debt management
- Cash flow & budgeting
- Education funding
- Legacy planning
Financial planning helps you define your goals and create a clear path to achieving them. Let’s build your roadmap together.
Investment Management
Investing is more than just picking stocks; it’s about creating a strategy tailored to your goals, risk tolerance, and financial future. A well-structured investment plan balances growth opportunities with risk management, ensuring your wealth works for you over time.
Our investment management approach focuses on:
- Diversified portfolio construction
- Risk assessment and mitigation
- Asset allocation strategies
- Cash flow & budgeting
- Long-term focus for wealth building
- Tax-efficient investing
Successful investing isn’t about chasing trends—it’s about discipline, patience, and a strategy that aligns with your financial plan. Let’s build your investment strategy today!
Tax Planning
Taxes play a crucial role in your financial picture, and proactive planning can help you keep more of what you earn. Whether you’re optimizing deductions, managing capital gains, or preparing for retirement, smart tax strategies can make a significant impact.
Our tax planning approach includes:
- Minimizing tax liability through strategic planning
- Tax-efficient investment strategies
- Retirement account tax optimization
- Charitable giving strategies
- Proactive planning for future tax changes
Tax planning isn’t just about filing a return—it’s about making intentional decisions throughout the year to align with your overall financial goals. Let’s work together to make taxes a tool for wealth-building, not just a yearly obligation!
Risk Management
Every financial plan comes with risks, but smart planning helps you prepare for the unexpected. Risk management is about protecting your wealth, your income, and your future.
We help clients navigate risks by:
- Assessing risk tolerance and aligning investments accordingly
- Ensuring proper insurance coverage( life, disability, liability, etc)
- Planning for economic downturns and unforeseen expenses
- Building emergency funds and income protection strategies
Risk is unavoidable, but managing it well can provide peace of mind and long-term financial stability. Let’s build a plan that keeps you financially secure no matter what life throws your way!
Estate Planning
Estate planning isn’t just for the wealthy—it’s a key part of any solid financial plan. It ensures your assets are distributed according to your wishes, minimizes taxes, and protects your loved ones.
Key aspects of estate planning include:
- Navigating wills and trusts
- Power of attorney and healthcare directives
- Minimizing estate taxes
- Legacy planning
- Beneficiary reviews
Estate planning is about more than documents—it’s about securing your legacy and providing peace of mind for the people who matter most. Let’s make sure your wishes are honored.
Retirement Planning
Retirement isn’t just about stopping work—it’s about gaining the freedom to live life on your terms. A well-structured retirement plan ensures you have the financial confidence to enjoy your later years without worry.
Key aspects of retirement planning include:
- Income planning- Ensuring a steady, reliable income in retirement
- Tax-efficient withdrawals
- Social security optimization
- Healthcare and long-term care planning
- Investment strategy
- Lifestyle planning
Retirement isn’t a one-size-fits-all journey. Let’s create a plan that supports your ideal future while adapting to life’s changes along the way.
Business & Transactions
Whether you’re starting, growing, or exiting a business, strategic financial planning ensures you maximize opportunities and minimize risks. Business owners face unique challenges that require careful coordination between personal and professional finances.
Key areas of business & transaction planning include:
- Business structure & tax efficiency – Choosing the right entity for financial and legal advantages
- Cash flow management – Ensuring liquidity while fueling business growth
- Risk management & insurance – Protecting your business from unforeseen setbacks
- Succession & exit planning – Preparing for a seamless transition or sale
- Mergers & acquisitions – Structuring deals for optimal financial outcomes
- Retirement plans for business owners – Maximizing tax-advantaged savings strategies
Your business is one of your most valuable assets—let’s create a plan that safeguards its success while aligning with your long-term financial goals.
Charitable Giving
Strategic charitable giving allows you to support the causes you care about while optimizing tax benefits and aligning philanthropy with your financial plan. Thoughtful planning ensures your generosity has the greatest impact while complementing your overall wealth strategy.
Key areas of charitable giving include:
- Tax-efficient giving – Utilizing strategies to maximize deductions and minimize tax liability
- Donor-advised funds (DAFs) – Contributing assets to a DAF for flexible and strategic philanthropy
- Charitable trusts – Leveraging charitable remainder and lead trusts for tax and estate planning benefits
- Qualified charitable distributions (QCDs) – Directing IRA distributions to charities tax-free
- Gifting appreciated assets – Donating stocks, real estate, or other assets to avoid capital gains taxes
- Legacy giving – Incorporating charitable contributions into estate plans for long-term impact
Whether you’re giving now or planning a lasting legacy, we’ll design a strategy that aligns with your financial and philanthropic goals.