About
About Valerio Wealth Management
Valerio Wealth Management is an independent, fee-only financial planning and investment management firm based in Miami. Joseph Valerio, CFP®, EA, works directly with clients, bringing their investment and tax decisions into one plan.
Meet Joseph
Meet Joseph Valerio
Founder and lead advisor · CFP®, EA
Every family eventually asks some version of the same question: are we doing this right? Joseph founded Valerio Wealth Management so families could have a clear answer, and one advisor with the expertise to manage every part of their financial life.
He earned dual degrees in both finance and financial planning at the University of North Florida and began his career in firms that do this work at the highest level. He started at Fidelity Investments, where he passed his first securities licensing exam, the Series 7.
From there, Vanguard selected him for its Financial Advisor Development Program, which takes fewer than twenty graduates a year and trains them to work with high-net-worth clientele. In his first year there he passed the CFP® exam and earned the Series 65, the qualification for investment advisers. CFP® certification is widely regarded as the gold standard credential in financial planning.
He later moved to Seattle to join Merriman Wealth Management, where he spent his time building comprehensive financial plans for families, covering everything from retirement income to complex multi-year tax and estate plans. It was there that he realized taxes are the thread that runs through every part of a financial plan, and that many of the families he met had advisors who couldn’t speak to them in a meaningful way. This led him to earn his IRS Enrolled Agent credential, the highest credential the IRS awards. It requires passing a rigorous three-part exam on individual taxes, business taxes and IRS procedure and completing 72 hours of continuing education every three years to keep it.
He then came home to Florida to lead client relationships at a boutique firm in South Florida, where he ran each family’s planning from start to finish before founding Valerio Wealth Management.
Joseph believes planning works best when there’s a real process behind it. Good intentions don’t count for much if nothing makes sure they happen. At Valerio Wealth Management, your meetings are on the calendar well ahead of time, and your plan comes with a roadmap that shows what gets done and when. No question is too big or too small, and if he doesn’t know the answer right away, he knows how to find it.
Think of Joseph as your personal CFO. One person who knows your whole financial picture, from your portfolio and tax plan to retirement, insurance and your estate. He takes all the hard work of managing it off your plate, so you can get more life out of the money you’ve worked so hard to earn.
Credentials and education
- CERTIFIED FINANCIAL PLANNER™ certification, granted by CFP Board
- Enrolled Agent, the highest credential the Internal Revenue Service awards
- BBA, Finance, University of North Florida
- BBA, Financial Planning, University of North Florida
Learn more about CFP® certification
CFP® certification is widely regarded as the gold standard in financial planning. It requires formal education in financial planning, a comprehensive board examination, thousands of hours of professional experience, and a commitment to act as a fiduciary, which means putting your interests ahead of his own.
Learn more about the Enrolled Agent credential
The IRS awards the Enrolled Agent credential to tax practitioners who pass a comprehensive three-part examination covering individual and business tax returns. Enrolled agents must adhere to IRS ethical standards and complete 72 hours of continuing education every three years. At Valerio Wealth Management, that training is used for tax planning: the tax effect of an investment, retirement or giving decision is worked out before the decision is made. Valerio Wealth Management does not prepare tax returns or represent clients before the IRS.
Verify these credentials directly: CFP Board · IRS enrolled agent status
Professional affiliations
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NAPFA
The National Association of Personal Financial Advisors is a professional association of fee-only advisors whose members commit to a fiduciary oath.
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Financial Planning Association
A membership association for financial planners that supports them with education and practice resources.
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XY Planning Network
A network of independent, fee-only financial advisors who must uphold a fiduciary standard.
Membership reflects standards the firm has agreed to meet. It is not an endorsement of Valerio Wealth Management by any of these organizations and does not guarantee any outcome.
Outside of work
Most mornings in the gym, most nights in the kitchen. Joseph is a lifelong Jacksonville Jaguars fan, which is less a hobby than a character test. And he shares a home with Leo, who has strong opinions about the meeting schedule and turns up on camera more often than he is invited.
If that sounds like the advisor you have been looking for, he would like to hear from you.
Want to understand the relationship before you schedule? Read our process.