for families who want it all coordinated —
One plan for everything you own.
Valley Oak Investment Strategies is a Registered Investment Advisor (RIA) built around planning — where your investments, your taxes, and your estate answer to a single, coordinated strategy. You don't have to be complicated to work with us this way; we're simply built to handle it when you are.
The family office standard
Your advisor and your CPA, finishing each other's sentences.
Most advisory relationships stop at the portfolio. Ours starts with your whole balance sheet — because the biggest returns often come from the tax code, not the market. As part of the Valley Oak suite, your investment strategy is built alongside the CPAs who see your full picture.
One cohesive plan covers
- Tax planning & tax-advantaged investing
- Investment analysis
- Estate & wealth transfer strategies
- Retirement accumulation & distribution
- Cash flow & debt strategy
- Risk management & insurance review
- College tuition strategy
- Company benefit planning
- Life planning
- Coordination between professionals
Engagements that grow with you.
How an engagement progresses
Every relationship starts with discovery. From there, the level of planning reflects the coordination your situation requires — and pricing is tailored to the engagement.
getting organized —
Discovery Phase
Where every relationship starts: we establish your present position and find the opportunities your situation actually contains.
- Full data collection & document review
- Your present position, modeled
- Forecast through life expectancy, assuming no changes
- Opportunity analysis: what's available to you, and why
building momentum —
Foundational Planning
A comprehensive, integrated planning experience aligning your tax, investment, and financial strategy into one plan.
- Two formal reviews per year + check-ins
- Full 14-discipline planning foundation
- Estate & wealth transfer strategies
- Advice coordinated across your professionals
full coordination —
Full Service Planning
Built for families requiring integrated, highly coordinated planning across business and personal life.
- Four formal reviews per year + check-ins
- Direct CPA strategist involvement
- Multi-year tax modeling & entity optimization
- Legacy, succession & asset protection
- Includes Valley Oak Academy Reserve access
Between discovery and ongoing planning sits the Tax Blueprint — where the opportunities we identified get quantified and turned into an implementation plan. Ongoing education on the shifting tax and finance landscape lives in Valley Oak Academy, including the 5 major areas of wealth transfer and the 4 most important financial questions. Investment management is quoted separately; engagement details and fees are confirmed in a written agreement before any work begins.
What the first 90 days look like.
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Weeks 1–2
Kick-off meeting. We gather the full picture — returns, statements, entities, goals.
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Weeks 3–8
Forecast modeling: your present position, then multiple future scenarios with recommendations.
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Weeks 9–12
Plan presentation and prioritized implementation — coordinated with your CPA team down the hall.
Your planning team.
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Matt Rzepka, CPA, CFP®
Chief Wealth Strategist
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Matthew Chlopek, CRPC™
Wealth Strategist
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Philip Kehoe
Wealth Strategist
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Mary Veltkamp
Financial Planning Data Analyst