# Valor Financial Planning

Valor Financial Planning is a RIA based in Johnson City, United States.

## Overview

- **Organization type:** RIA
- **Headquarters:** Johnson City, United States
- **Region:** North America
- **Address:** Seattle, WA, United States
- **Assets under management:** Undisclosed
- **Website:** valorfp.com

## Regulatory record

- **CRD number:** 331837
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/331837

## About

VALOR FINANCIAL PLANNING is a state-registered investment adviser in JOHNSON CITY, TN. The firm manages approximately $777,437 in regulatory assets. It has 1 employee and 1 investment adviser.

## Questions

### Is Valor Financial Planning a registered investment advisor or a broker-dealer?

Valor Financial Planning is a registered investment advisor (RIA), not a broker-dealer. As an RIA, the firm is held to a fiduciary standard under the Investment Advisers Act of 1940, meaning it must put client interests first and cannot earn commissions on product sales. This structural choice eliminates the dual-registration conflicts that arise when an advisor can recommend either a commissionable product or an advisory service for the same client need.

### Does Valor Financial Planning construct proprietary portfolios or use third-party managers?

Valor builds client portfolios from third-party ETFs and mutual funds rather than operating a proprietary fund or in-house investment vehicle. Advisors who use solely external, liquid, low-cost instruments avoid the conflict that arises when a firm offers both a proprietary product and independent advice. This approach is standard for mid-sized independent RIAs that prioritize investment neutrality over product manufacturing margins.

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- [Wacona Capital](https://altss.com/profile/wacona-capital-llc)
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Last updated: 2026-07-06T01:24:27.952Z

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