# Valor Financial Services, LLC

> 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.

- CRD: 309377
- Filed as: VALOR FINANCIAL SERVICES, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Knoxville, TN
- Filing period: October 2026
- Form ADV filing dated: January 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/309377
- AdvisorCensus page: https://advisorcensus.com/firm/valor-financial-services-llc-knoxville-tn-309377

## Quick answers

**How is Valor Financial Services, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Valor Financial Services, LLC reports these compensation arrangements: a percentage of assets under its management.

**How much does Valor Financial Services, LLC charge?**
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.

**Where is Valor Financial Services, LLC located?**
Valor Financial Services, LLC's principal office is in Knoxville, TN, according to its Form ADV.

**Is Valor Financial Services, LLC registered with the SEC or a state?**
Valor Financial Services, LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 309377.

**How much does Valor Financial Services, LLC manage?**
Valor Financial Services, LLC reports $273,274,393 in regulatory assets under management in its Form ADV filing dated January 13, 2026 (100% discretionary).

**How have Valor Financial Services, LLC's assets and staff changed since 2021?**
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.

**What types of clients does Valor Financial Services, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,629); high net worth individuals (46).

**Which custodians does Valor Financial Services, LLC use?**
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.

**Does Valor Financial Services, LLC report any disciplinary disclosures?**
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

**Does Valor Financial Services, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated January 13, 2026 says: "There is no minimum account size to open and maintain an advisory account."

**What changed in Valor Financial Services, LLC's recent Form ADV filings?**
In the February 2026 filing data: Registered or notice-filed in LA.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated January 13, 2026)

- Asset-based fee: up to 1.25% of assets a year (the maximum the brochure states)

> 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.

- Account minimum: None

> There is no minimum account size to open and maintain an advisory account.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $273,274,393
- Discretionary: $273,274,393
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,629 | $184,924,822 |
| High net worth individuals | 46 | $88,349,571 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2020 (6 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, FL, GA, LA, NY, OH, PA, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- valorfs.net
- LinkedIn @90495758

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $187,722,802 | 3 | August 13, 2021 |
| October 2022 | $194,803,338 | 2 | January 19, 2022 |
| October 2023 | $202,469,488 | 2 | February 13, 2023 |
| October 2024 | $212,760,377 | 2 | January 23, 2024 |
| October 2025 | $252,442,405 | 2 | April 29, 2025 |
| October 2026 | $273,274,393 | 2 | January 13, 2026 |

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.

## Changes in the filing (last 12 months)

### February 2026
- Registered or notice-filed in LA.

### January 2026
- No longer registered or notice-filed in KY.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Valor Financial Services, LLC (CRD 309377): Form ADV filing data as of October 2026.