Valley Oak Wealth Management Team

Our team at Valley Oak Wealth Management consists of experienced professionals ready to deliver for you and your family. We believe wealth management is most powerful when it is personal and focused. We are here to meet your goals.


Tim Russell

Tim Russell

Timothy Russell, CLU, ChFC is owner and LPL Registered principal in the firm of Valley Oak Wealth Management, an independent financial consulting firm.

Tim offers securities through and is a Registered Principal with LPL Financial, the largest independent Broker Dealer in the country.* 

Tim has been helping people make sound financial decisions for more than a quarter century. Tim started out in his own business, then merged his very successful practice with Alders Financial Solutions in Novato.

Tim is a longtime resident of Novato where he lives with his wife Anne and their 2 children, Teddy and Lucie.

*Based on total revenues, as reported in Financial Planning magazine, June 1996-2011 LPL Financial Member FINRA/SIPC

email Tim@ValleyOakWM.com


Kareen Maskell

Kareen Maskell

Kareen Maskell, Enhanced Services Specialist, has been Tim’s right hand person since 2002 and has assisted Wealth Advisors for over 25 years. She started her career in the financial services industry at Citibank in London working with Foreign Exchange traders. She then managed a portion of the Foreign Lending department.

Kareen holds an Associate’s and Bachelor’s degree through LPL Financial.

Kareen lives in Sonoma County with her two dogs and three cats and often watches her six year old granddaughter, Ellie. If she is not at home gardening she would most likely be found on a kayak with a friend or one of her three children.

email Kareen@ValleyOakWM.com


Tom Davis

Photo of Tom Davis

Tom Davis is the latest addition to the Valley Oak Team. He will be assisting with building and maintaining VOWM's proprietary investment models.

Tom's prior experience as a Registered Representative for over 15 years brings invaluable experience and skill to assist Valley Oak Wealth Management's clients in investment & retirement planning.

Tom's educational background includes a bachelor’s of arts degree from California State University Sacramento and he is FINRA Series 7 and 63 registered, through LPL Financial. Tom also holds a California insurance producer's license CA Insurance LIC# 0B34626.

When not at work Tom finds his greatest pleasure in spending time with his wife and daughter.

email Tom@ValleyOakWM.com


Maria K. Petate

Photo of Maria Petate

Maria Petate, Operations Manager at Valley Oak Wealth Management has 8 years experience in debt management and the financial services industry.

Maria served as a paralegal for 5 years in the debt management industry where she helped negotiate client’s debts and avoid garnishment. She later joined an LPL Financial branch in San Francisco as a Financial Associate and later as Operations Manager where she was responsible for account processing and servicing of customer transactions. Maria also assured that the back office operations along with the branch run efficiently and effectively.

At Valley Oak Wealth Management, Maria continues her high standards of customer service and administrative support. She enjoys assisting clients every step of the way.

Maria lives in Fairfield with her husband and two dogs, Jubilee & Dixon.

email Maria@ValleyOakWM.com


Anne Russell

Anne Russell

Anne has been with the company since 2008. Her role is to enhance the overall client experience with a focus on client events and community relations. She holds an LPL Financial Specialist’s Degree, and did her undergraduate work in New York at an all-woman’s College. Anne also studied semesters in London and Bangkok. She lived in Manhattan working for a publishing firm, and later moved to San Francisco to accept a position at the largest Labor law firm in the U.S.

A Marin county resident since 1989, Anne is a wife, and mom to a son and daughter, and can be found working in the office when her children are in school. Anne is a lover of history, and is a docent at the history museum and for the school district. She truly enjoys working with the people associated with Valley Oak Wealth Management.

email Anne@ValleyOakWM.com





On being a team...

"Talent wins games, but teamwork and intelligence wins championships."

Michael Jordan


Check the background of this investment professional on FINRA's BrokerCheck.