Tim Russell, CLU, ChFC

Tim Russell, CLU, ChFC

Founder/Wealth Advisor
CA Insurance Lic # 0692741

Phone: 415.898.4439

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Timothy Russell, CLU, ChFC, registered LPL principal, is the founder and owner of Valley Oak Wealth Management, an independent financial consulting firm specializing in retirement planning. For over a quarter of a century, Tim has been helping clients, friends, and families make sound financial decisions. His business success has been built on simple common sense and answering two questions: “If I were a client what would I want, and how would I want to be treated?”

He personally believes answering these two simple questions allows the firm to be proactive and to anticipate their clients’ needs before they know they need it. This was one of the reasons the Novato Chamber of Commerce voted Valley Oak Wealth Management small business of the year.

Since 2002, Tim has been affiliated with LPL Financial and provides access to independent financial planning services, investment advice and asset management services to over 225 clients throughout the country. LPL Financial Chairman’s Club from 2003 through 2020. A distinction that has been given to the top 6% of LPL’s 16,000 registered representatives.

Tim believes in investor’s education. He regularly holds client educational events, conducts personal meetings and takes every opportunity to interact directly with his clients, He clearly enjoys his role as fiduciary and trusted advisor.

Tim is an enthusiastic fisherman, and a top amateur yacht racer. He has competed and won many regattas throughout the country. Most recently he defended his national championship in the J105, and the Wylie Wabbit, a three man, high performance keel boat.

Giving back to the community has always been important to Tim. When asked to donate, sponsor, or host a local charitable event, Tim and his wife Anne answer the call. They have been active parents and supporters of Marin Catholic High School. Tim served on the Board of the Chamber of Commerce, and served as chairman of the board for the Gilead House whose mission is to end homelessness for women and children in Marin County.

Tim is a 2017 graduate of Leadership Novato, a Chamber of Commerce program in partnership with the City.

Tim is a longtime resident of Marin County where he lives with his wife, Anne, and daughter, Lucie.


Tom Davis

Tom Davis

Wealth Advisor
CA Insurance Lic # 0B342626

Phone: 415.898.4439

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Tom Davis, Wealth Advisor at Valley Oak Wealth Management has been affiliated with LPL Financial since 2003 and joined our team in 2016, where he began his journey to refine and maintain our proprietary investment models. Prior to working with Valley Oak, Tom was a Registered Representative at an LPL affiliated office in San Francisco for many years.

Tom’s educational background includes a B.A. from California State University Sacramento. He also is FINRA Series 7, 63 and 65 registered, through LPL Financial, as well as a California insurance producer’s license (CA Insurance LIC# 0B34626).

Tom sincerely enjoys his work on behalf of clients, and deeply cares about helping strive toward the financial objectives and retirement goals of each client. He does this using an established process and provides a high level of client service throughout the journey.

Outside the office Tom can be found hiking, fishing and spending quality time with his wife and daughter.


Will Martens

Will Martens

Research and Investment Coordinator

Phone: 415.898.4439

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Frederick William Martens “Will” is our Research and Investment Coordinator. He has a passion for investments and finance, and strives to enhance the performance and successes of the Valley Oak Wealth Management team. Will specifically enjoys working with clients and helping them implement their financial plans. Will was born and raised in Marin County, and headed out east for his college years. Before joining our team full time, Will worked in the Valley Oak Wealth Management internship program for two years while attending The College of Charleston in South Carolina. There, he had a concentration of studies in finance, investments and marketing, and was a member of the Varsity Sailing Team which won multiple national championships: Ranked #1 Division 1 — Varsity Athlete Academic Honors all four years.

Will graduated with a Bachelor of Science in Business Administration with a concentration in finance, and is furthering his education for advanced financial planner designations. He is currently FINRA Series 7 and 66 registered, through LPL. He envisions a long career in the Independent Wealth Advisor arena, and looks forward to building multi-generational relationships with our clients and colleagues. When not in the office, Will likes high-performance cars, or being on the bay sailing or kite boarding –enjoying the beautiful outdoors that the Bay Area offers.


Anne Russell

Anne Russell

Marketing Director

Phone: 415.898.4439

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Anne’s role is to enhance the company’s client and prospective client experience through ongoing communication efforts. As Marketing Director, her emphasis is on publications, educational events, informative internet engagement, and community involvement in the business and non-profit sectors. Anne truly enjoys her work with clients and colleagues at Valley Oak Wealth Management. Excellent customer service is one of her most important goals, and feels that a personal touch and connection is what every client deserves.

Anne studied Marketing and Business Law at the School of Management at Syracuse University. She also studied Business Law internationally during semesters abroad in Bangkok, Thailand and London, England. After her studies she worked for Pyramid Publishing firm in New York and then she coordinated seminars and publications for the largest labor law firm in the US in San Francisco. She holds certificates in Financial Security and Privacy and in Working with Senior and Vulnerable Adult Investors.

She personally believes everyone can get informed and take baby steps to improve the security of their financial future. Anne especially enjoys opportunities to work with women and to encourage women to be proactive on planning for their future wealth.

Born and raised in the Tri-State area of New England, Anne met her husband in the Bay Area when he was brought in as a ‘ringer’ during a yacht race, and yes, he won the race and the girl! She and Tim have enjoyed sailing together ever since and have sailed over three major oceans with their two babies in tow. When not spending time with her family, Anne’s other favorite things to do are travel, garden, cook, scrapbook, and read.


Carlo Di Fronzo

Carlo Di Fronzo

Internal Finance Associate

Phone: 415.898.4439

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Carlo Di Fronzo is our Internal Finance Associate. He’s an ambitious leader, communicator, problem solver, graphic designer, investment analyst, and accountant who strives to enhance internal business operations at Valley Oak Wealth Management. Carlo specifically enjoys creating hypothetical and updated models, researching possible investment opportunities, and analyzing client portfolios to see where he can make positive changes. Carlo was born and raised in Marin County and is now studying at the University of Southern California. Before joining our team, Carlo worked for the Italian American Democratic Leadership Council as a Communications & Operations Intern and was responsible for their west coast expansion last year.

While not in the office, Carlo enjoys playing and watching basketball, high-performance cars, running, graphic design, and environmental policy.


Robin Dalmon

Robin Dalmon

Operations Assistant

Phone: 415.898.4439

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Robin Dalmon is our Operations Assistant. She is a highly adaptable and creative office administrator with several years of experience in various industries and office environments in the San Francisco Bay Area and London, England. She’s a loyal and motived professional with a demonstrated commitment to excellence in customer service and consistently demonstrates a strong work ethic with high-level communication and organizational skills. Robin completed her higher education at University of California, Santa Cruz, Academy of Arts University, San Francisco, and receiving her bachelor’s degree in communication studies from the University of Arizona, Global Campus. Before joining our team, Robin worked at By the Bay Health, Hospice Division in Sonoma, CA as a Patient Care Support Services Assistant, where she dealt with administrative duties related to patient care from admission to discharge, and supporting her hospice care team of doctors, nurses, social workers, chaplains.

While not in the office, Robin enjoys the outdoors, spending time with her kids, working out, and focusing on her art.