Fee-only · Fiduciary · Fort Lauderdale, FL

A virtual family office for your entire financial life

Investments, tax strategy, retirement income, and estate coordination, planned together by one advisor credentialed in both wealth management and tax. No products sold, no commissions taken, ever.

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One office, every domain

Everything a family office does, built for families who are not billionaires

Tax planning and preparation

Your plan and your return prepared under the same roof, so strategy and filing never fall out of sync.

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Retirement income

A written paycheck plan for life after work, coordinated with Social Security, your accounts, and your tax bracket.

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Investment management

Evidence-based, globally diversified portfolios managed with tax-aware discipline in every account you own.

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Estate coordination

Beneficiaries, titling, and trust strategy aligned with your plan, so documents match intentions.

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Risk and insurance review

An honest audit of what you own and what you actually need, from an advisor with nothing to sell you.

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Cash flow and equity comp

Savings, debt, RSUs and options, education funding, and the everyday questions in between.

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How we start together

A plan is not a box your advisor checks.

Your plan is a living document that grows with you. It is built in five deliberate phases, and the investment strategy comes last on purpose, because the plan is the cornerstone and the portfolio serves the plan, never the other way around.

01

Discovery

A complimentary conversation about your goals, your values, and what you want money to actually do for your life. You talk, I listen, and nothing is pitched. We both decide whether this is a fit.

Complimentary
02

Total picture review

A comprehensive review of your complete financial life: cash flow, accounts, tax returns, benefits, insurance, and estate documents. We address what you came in asking about and surface the needs you did not know to name.

03

Planning recommendations

Your written plan, delivered and explained in plain language. Tax strategies, cash flow improvements, retirement income design, and the scenarios that let you make informed decisions with confidence.

Written plan delivered
04

Investment strategy

Only now, with the plan as the cornerstone, do we design the portfolio: a customized investment strategy for your entire balance sheet, built to serve the plan and implemented with tax-aware discipline.

05

Ongoing partnership

Execution through collaboration. A four-season service calendar with tax projections each fall, plan reviews each spring, and predefined checkpoints year-round, so the plan keeps breathing as your life changes.

Every season, every year
Joseph G. Valerio standing portrait

Your personal CFO

Joseph G. Valerio, CFP® EA

Most advisors manage investments and refer the tax questions out. Most tax professionals prepare returns and never see the portfolio. I built Valerio Wealth because your financial life does not split into departments, and your advice should not either.

As a Certified Financial Planner professional and a federally licensed Enrolled Agent, I evaluate every recommendation through both lenses at once. The result is planning where the investment strategy, the tax return, and the long-term plan are finally the same conversation.

I serve families across South Florida and virtually nationwide.

CFP®Enrolled AgentFee-Only FiduciaryVirtual Nationwide

Transparent by design

One fee. No commissions. No surprises.

Assets under managementAnnual advisory fee
First $500,0001.00%
Next $500,001 to $1,000,0000.90%
Next $1,000,001 to $3,000,0000.75%
Next $3,000,001 to $10,000,0000.50%
$10,000,000 and above0.25%

The fee is tiered, so each portion of your assets is charged at its own rate. I am compensated only by my clients, never by a fund company, an insurance carrier, or anyone else. Tax and estate planning advice is included, with no add-on charges.

Common questions

Answers, before you even ask

Families and professionals who have built real savings and want one accountable advisor across the whole picture: approaching or living in retirement, managing equity compensation, running a business, or simply done with fragmented advice. Our best-fit clients typically have investable assets of [MINIMUM, TO BE SET] or more. Besides that, we only work with people we genuinely enjoy. If we are not the right fit, I will say so honestly and point you to someone who is.

One transparent annual fee, tiered so each portion of your assets is charged at its own rate, and debited directly from your account:

— 1.00% on the first $500,000
— 0.90% on the next $500,001 to $1,000,000
— 0.75% on the next $1,000,001 to $3,000,000
— 0.50% on the next $3,000,001 to $10,000,000
— 0.25% on assets of $10,000,000 and above

I receive no commissions, no kickbacks, and no revenue from anyone but my clients. Tax and estate planning advice is included, with no add-on charges.

The goal is to take as much of your financial life off your plate as possible. That includes retirement planning, investment management, tax planning and preparation, estate coordination, insurance review, and cash flow planning, along with everything in between that touches your money. One relationship, one fee, the full picture.

Yes, and this is where Valerio Wealth is genuinely different. Most advisors hand tax questions to your CPA, and most CPAs are focused on recording what already happened. As both a CFP® professional and an Enrolled Agent, I plan your taxes forward and prepare the return itself, so Roth conversions, gain harvesting, and withdrawal decisions are made and filed by the same person. Nothing falls out of sync, because there is no handoff.

Your assets are held in your name at an independent, insured third-party custodian. I work with Altruist, Fidelity, and Charles Schwab, and because I do not work for any of them, we choose the custodian that fits your situation rather than the one that pays. I never take custody of your money.

No. I am based in Fort Lauderdale and meet most clients virtually, serving families across the country subject to state registration requirements.

Start the conversation

The first call costs nothing and changes everything

Thirty minutes, no pressure, no pitch. Answer three quick questions and I will personally follow up.

See if you're a fit