About us
Meet Joseph Valerio
Your investments, taxes and life decisions belong in the same conversation. We bring them together, with one advisor who knows the whole picture.
Plan smarter.Keep more.
Proactive wealth management in Miami for your whole financial life.
See if you’re a fit Our processScroll
Scroll to explore
CFP® + EA
Dual credentialed
One advisor credentialed in both financial planning and federal tax. Every decision passes through both lenses.
$0
Commissions, ever
Fee-only and fiduciary one hundred percent of the time. Compensated by clients and no one else.
50
States we can serve, virtually
Based in Miami, Florida, working with families wherever they live, subject to state registration requirements.
Our services
Wealth management services
We start with what you want your money to do, then build every strategy around it.
Investment management
Evidence-based, globally diversified portfolios managed with tax-aware discipline in every account you own. And a clear read on what you hold outside them, real estate included.
Learn more
Tax planning
Every good plan considers the tax consequence of every decision. Here, tax strategy is built into the plan, never referred out.
Learn more
Estate planning
A carefully crafted estate plan passes assets to the people you love with the tax consequences planned rather than discovered.
Learn more
Retirement income planning
Account sequencing, Social Security timing, a spending policy with guardrails, and a written paycheck for the years after work.
Learn more
Risk and insurance review
An honest audit of what you own and what you actually need, from an advisor with nothing to sell you.
Learn more
Equity compensation and benefits
We read your benefits handbook cover to cover. Open enrollment elections, the 401(k) provisions nobody mentions, RSUs, options, and deferred comp windows.
Learn more
Budgeting and cash flow
Build a practical budget, prepare for irregular expenses, and connect your spending and saving to what matters to you.
Learn more
Student loan planning
Repayment plan, filing status and forgiveness, modeled together as the tax decision they are, with the bill at the end of the loan planned from the start.
Learn more
Business owner planning
How you are paid, what the entity does to your taxes, which retirement plan fits and what the exit nets after tax, planned while there is still time to change it.
Learn moreInvesting with intention
Portfolio components
We pair low-cost index funds that hold the market at its own weights with added exposure to smaller, lower-priced and more profitable companies. Select a component to explore the markets it covers and its role.
The whole picturePortfolio overviewExplore each component
Components of a diversified portfolio.Hover to explore. Select to keep reading.
U.S. stocks
U.S. large companies
Hundreds of large U.S. companies across industries, held in proportion to their market value through a low-cost index fund.
U.S. large value
Larger U.S. businesses trading at lower prices relative to their fundamentals.
U.S. mid value
Midsize U.S. businesses trading at lower prices relative to their fundamentals.
U.S. small companies
A broad mix of smaller U.S. businesses across industries, held through a low-cost index fund.
U.S. small value
Smaller U.S. businesses with a value focus, trading at lower prices relative to their fundamentals.
International stocks
International large companies
Mostly larger companies in developed markets such as Japan, the U.K. and Canada, held in proportion to their market value through a low-cost index fund.
International large value
Larger companies in developed markets abroad trading at lower prices relative to their fundamentals.
International small companies
A broad mix of smaller companies in developed markets outside the U.S.
International small value
Smaller companies in developed markets abroad with a value focus, trading at lower prices relative to their fundamentals.
Emerging-market stocks
Emerging-market core
Broad exposure to emerging markets such as Taiwan, India and Brazil, across a range of company sizes.
Emerging-market value
A value-focused complement to emerging-market core, emphasizing lower-priced companies relative to their fundamentals.
Bonds
Short Treasuries
Short-term U.S. Treasury bonds, with less sensitivity to interest rates than longer-term Treasuries.
Intermediate Treasuries
U.S. Treasury bonds with intermediate maturities, providing income with more interest-rate sensitivity than short-term Treasuries.
Short inflation protection
Short-term U.S. Treasury bonds whose principal adjusts with inflation; their market prices can still move.
Broad inflation protection
U.S. Treasury bonds across a range of maturities whose principal adjusts with inflation; longer maturities make their prices more sensitive to changes in real interest rates.
Real estate
Global real estate
Shares in real estate companies worldwide, spanning data centers, cell towers, warehouses, healthcare facilities, housing and more.
An illustration of portfolio components, not an allocation or recommendation. Segment sizes are not weights. The mix varies by plan; diversification does not prevent losses.
View our investment approachWhy choose Valerio Wealth Management
Comprehensive planning
Good planning only works when it is done holistically. Investments, tax, estate, insurance, and cash flow, planned as one.
CFP® and Enrolled Agent
CFP® and Enrolled Agent. Your portfolio and your taxes are planned by the same person, through both lenses at once.
Virtual-first, nationwide
Built for remote from day one. Meet from your kitchen table, whichever state that table is in.
Built on Altruist
Your accounts at Altruist
Your assets are held in your name at Altruist, an independent custodian. A clear digital view keeps your accounts close, wherever life takes you.
See your portfolio, review activity, and find account documents in one place. We coordinate the investment and tax decisions behind that view.
- Digital account opening and e-signatures
- A client app and online portal
- Tax-aware portfolio implementation
- Independent custody in your name
The Altruist client app: your full portfolio, performance, and transfers in one place.
Vanguard announced an agreement to acquire Altruist in August 2026. The transaction is pending.
Custody and clearing services provided by Altruist Financial LLC, Member FINRA/SIPC. Valerio Wealth Management, LLC is independent of and not affiliated with Altruist. Altruist’s name is used with permission and does not imply endorsement. Vanguard is a trademark of The Vanguard Group, Inc. Valerio Wealth Management, LLC is not affiliated with, and its services are not endorsed by, Vanguard.
Credentials and professional memberships
None of these marks is required to run an advisory firm. Together they mean one thing: fee-only, fiduciary, and accountable to someone other than ourselves.
CFP® certification
The standard of excellence in financial planning: formal education, a comprehensive board exam, thousands of hours of experience, and a fiduciary commitment enforced by CFP Board.
Learn more
NAPFA member
The country’s leading association of fee-only advisors. Members take no commissions, sign a fiduciary oath, and are paid by their clients alone.
Learn more
FPA member
The principal professional body for CFP® professionals: practice standards, continuing education, and the Journal of Financial Planning.
Learn more
XYPN member
A national network of independent, fee-only fiduciary advisors, with membership standards for how advisors are paid and how they serve clients.
Learn moreMembership and certification reflect standards the firm has agreed to meet. They are not endorsements of Valerio Wealth Management and do not guarantee any outcome. Each mark opens that organization’s own site in a new tab.
Common questions
Are you a fiduciary?
Yes, one hundred percent of the time. We are fee-only, hold no insurance licenses, sell no products, and receive no commissions from anyone, ever.
What services do you provide?
A plan is only valuable if it is comprehensive. Nine services under one fee: investment management, tax planning, estate planning, retirement income planning, risk and insurance review, equity compensation and benefits, budgeting and cash flow, student loan planning, and business owner planning. One relationship, one fee, the full picture.
Do you offer tax planning?
Yes, and it is where Valerio Wealth Management is different. With both the CFP® and Enrolled Agent credentials under one roof, we plan your taxes forward all year: Roth conversions, gain and loss harvesting, IRMAA management, and withdrawal sequencing, decided through the tax lens before year end, not discovered at filing time.
Do you work with clients remotely?
Yes. The practice is virtual-first and built for it, serving families nationwide from Miami, Florida, subject to state registration requirements.
Where are my assets held?
Your assets stay in your name at an independent third-party custodian, a FINRA and SIPC member. The firm is built on Altruist, a modern custodial platform chosen for the client experience. We never hold your money.
What are your fees?
One transparent, tiered asset-based fee, published in full on the pricing page.
See the fee scheduleWe are excited to meet you.
Meet Joseph for a 30-minute call to discuss your goals and whether working together makes sense.
See if you’re a fit