{
  "crd_number": 309377,
  "slug": "valor-financial-services-llc-knoxville-tn-309377",
  "primary_business_name": "VALOR FINANCIAL SERVICES, LLC",
  "legal_name": "VALOR FINANCIAL SERVICES, LLC",
  "dbas": [],
  "city": "Knoxville",
  "state": "TN",
  "country": "United States",
  "cbsa_code": "28940",
  "metro": {
    "cbsa_code": "28940",
    "common_name": "Knoxville",
    "msa_name": "Knoxville, TN",
    "path": "/advisors/tn/knoxville"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2020-08-12",
  "years_registered": 6,
  "period": "2026-10-01",
  "filing_date": "2026-01-13",
  "carried_forward": false,
  "raum_total": 273274393.0,
  "raum_discretionary": 273274393.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 2,
  "advisory_employees": 2,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 184924822.0,
      "count": 1629
    },
    "high_net_worth_individuals": {
      "raum": 88349571.0,
      "count": 46
    }
  },
  "compensation_types": [
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AL",
    "FL",
    "GA",
    "LA",
    "NY",
    "OH",
    "PA",
    "TN",
    "TX"
  ],
  "websites": [
    "https://linkedin.com/company/90495758/admin/dashboard",
    "https://valorfs.net"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/309377",
  "city_as_filed": "KNOXVILLE",
  "url": "https://advisorcensus.com/firm/valor-financial-services-llc-knoxville-tn-309377",
  "display_name": "Valor Financial Services, LLC",
  "summary": "Valor Financial Services, LLC is an SEC-registered investment advisory firm in Knoxville, TN, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 13, 2026.",
  "citation": "AdvisorCensus. Valor Financial Services, LLC (CRD 309377): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Valor Financial Services, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Valor Financial Services, LLC reports these compensation arrangements: a percentage of assets under its management."
    },
    {
      "q": "How much does Valor Financial Services, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated January 13, 2026 states: Asset-based fee: up to 1.25% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Valor Financial Services, LLC located?",
      "a": "Valor Financial Services, LLC's principal office is in Knoxville, TN, according to its Form ADV."
    },
    {
      "q": "Is Valor Financial Services, LLC registered with the SEC or a state?",
      "a": "Valor Financial Services, LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 309377."
    },
    {
      "q": "How much does Valor Financial Services, LLC manage?",
      "a": "Valor Financial Services, LLC reports $273,274,393 in regulatory assets under management in its Form ADV filing dated January 13, 2026 (100% discretionary)."
    },
    {
      "q": "How have Valor Financial Services, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Valor Financial Services, LLC: Regulatory assets under management: $187,722,802 in the October 2021 data and $273,274,393 in the October 2026 data, up 46%. Total employees: 3 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Valor Financial Services, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,629); high net worth individuals (46)."
    },
    {
      "q": "Which custodians does Valor Financial Services, LLC use?",
      "a": "Valor Financial Services, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Valor Financial Services, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/309377"
    },
    {
      "q": "Does Valor Financial Services, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated January 13, 2026 says: \"There is no minimum account size to open and maintain an advisory account.\""
    },
    {
      "q": "What changed in Valor Financial Services, LLC's recent Form ADV filings?",
      "a": "In the February 2026 filing data: Registered or notice-filed in LA."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 187722802.0,
      "total_employees": 3,
      "filing_date": "2021-08-13"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 194803338.0,
      "total_employees": 2,
      "filing_date": "2022-01-19"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 202469488.0,
      "total_employees": 2,
      "filing_date": "2023-02-13"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 212760377.0,
      "total_employees": 2,
      "filing_date": "2024-01-23"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 252442405.0,
      "total_employees": 2,
      "filing_date": "2025-04-29"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 273274393.0,
      "total_employees": 2,
      "filing_date": "2026-01-13"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Registered or notice-filed in LA."
      ]
    },
    {
      "period": "2026-01-01",
      "period_label": "January 2026",
      "notes": [
        "No longer registered or notice-filed in KY."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated January 13, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": "1.25% of assets a year",
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: up to 1.25% of assets a year (the maximum the brochure states)"
        ],
        "quotes": [
          "Annual fees are charged at a maximum of 1.25%.",
          "In individual cases, Valor Financial Services (VFS) has the sole discretion to negotiate fees that are lower than the standard fee shown or to waive fees."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "There is no minimum account size to open and maintain an advisory account."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": 1.25,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": []
    },
    "quotes": [
      "Annual fees are charged at a maximum of 1.25%.",
      "In individual cases, Valor Financial Services (VFS) has the sole discretion to negotiate fees that are lower than the standard fee shown or to waive fees.",
      "There is no minimum account size to open and maintain an advisory account."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/valor-financial-services-llc-knoxville-tn-309377.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 1629,
      "fewer_than_5": false,
      "raum": 184924822.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 46,
      "fewer_than_5": false,
      "raum": 88349571.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/309377",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}