Valmark Advisers provides a variety of investment advisory services, portfolio management programs, and financial planning to individuals, families, and retirement plan sponsors. Founded in 1997, Valmark Advisers offers its services primarily through independent investment advisor representatives who operate their own local practices while utilizing Valmark Advisers for back-office support, compliance, and approved investment platforms. The firm offers several proprietary and third-party investment programs, including the Valmark ACCESS program for goal-based mutual fund and exchange-traded fund portfolios, separately managed accounts, and specialized insurance-linked advisory services like variable annuities and life insurance with low-cost fund options. Additionally, Valmark Advisers provides comprehensive financial planning, consulting, and retirement plan services. The firm emphasizes diversified model portfolios, asset allocation strategies, and rigorous due diligence when selecting third-party managers and investment solutions for clients.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.95% |
| $1.0M - $2.0M | 1.75% |
| $2M+ | 1.50% |
Fees are negotiable. Other programs have different fee structures, such as the American Funds F-2 program at a flat 1.00% and fee-based annuities/life insurance capped at 1.50%.