Valley Financial Management, operating as Valley Digital Investor, provides automated investment advisory services through an online and mobile web application. Valley Financial Management designs investment portfolios tailored to each client's age, financial profile, goals, time horizon, and risk tolerance. Using information entered by the client, the platform generates a recommended investment strategy using a selection of exchange traded funds. Once a strategy is chosen, Valley Financial Management automatically implements the investments and periodically rebalances the portfolio to maintain alignment with the target allocation. Clients can choose from six portfolio strategies ranging from conservative income to aggressive growth. Valley Financial Management operates as a wrap fee program, combining advisory and trading costs into a single asset-based fee, and requires clients to open an affiliated bank account with Valley National Bank for funding and transfers.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 0.50% |
Fees are assessed annually at 0.50% and are not negotiable.