Joseph G. Valerio

My Process

Valerio Wealth Management is a fee-only, fiduciary firm in Coconut Grove, Miami. I hold both the CFP® certification and the IRS Enrolled Agent credential, so the tax decision and the investment decision are made by the same person, with no handoff between a planner and a CPA. Every recommendation starts from the plan: what the money has to do, and when. Roth conversions, withdrawal order, asset location, equity compensation and charitable giving are weighed with the portfolio rather than after it. Portfolios use low-cost, broadly diversified funds, held in your name at an independent custodian. The bond share is sized to the withdrawals a household expects over the next several years, so a stock downturn does not force a sale. After a 30-minute introductory call at no cost, the work moves from discovery to a written plan to implementation, then continues with regular reviews and year-round tax planning. Meetings are by video or at the office by appointment. I am paid only by my clients, through one published, tiered advisory fee with no asset minimum. No commissions, and no insurance or annuity sales. I provide tax planning and do not prepare tax returns.