Valley Oak Wealth Management’s mission is to guide each client’s financial journey to retirement and beyond. As leaders in our industry, we have hand crafted our own Investment strategies that offer our clients a range of investment options that are catered to different risks tolerances and time periods. Our experienced, knowledgeable and dedicated research team analyzes the markets over numerous economic cycles and makes investment recommendations based on proprietary research and economic indicators. Valley Oak Wealth Management team members invest their own money in the same strategies as their clients.


Valley Oak Model Descriptions


Valley Oak Aggressive Growth

The Aggressive Growth strategy is reserved for our most aggressive clients. It is composed of mostly equities, and at times, may be 100% invested in stocks. Also, when appropriate, it will take short positions in stocks or short the overall markets. This strategy is usually paired or blended with one of Valley Oak Wealth Management’s less aggressive strategies.


Valley Oak Dynamic Growth

We have developed the Dynamic Growth strategy to encompass the needs and goals of our clients who seek exposure to a diversified set of assets.  The strategy has been structured to capture growth in equity, fixed income, and alternative markets. The dynamic growth strategy focuses on mutual fund investments. Our results are based on our rigorous screening process which allows us to focus on only the best performing mutual funds in each asset class. This strategy invests up to 80% in equities.


Valley Oak Growth with Income

This strategy employs the same process as the Dynamic Growth but uses more conservative assets. Typically, this strategy will have more cash or fixed income. It can invest up to 65% into equities.


Valley Oak Income with Growth

The income and Growth strategy is a more conservative version of the Growth and Income strategy but can buy CD’s and structured CD’s as part of its more conservative fixed income positions. Where appropriate, this model will also invest in tax-free municipal bonds that are exempt from Federal taxes and on occasion from State income taxes as well. This strategy may invest up to 50% in equities.


Valley Oak Capital Preservation

The Capital Preservation strategy is most appropriate for investors who seek a relatively conservative position. We address the goals of the strategy by investing in fixed income and other conservative mutual funds that display superior performance. Like the Income and Growth strategy, it may invest in CD’s, structured CD’s, and tax-free municipal bonds. The income that the fixed income instruments generate acts as a buffer in down markets, and provides an additional benefit in positive environments. This fund Invests up to 35% into equities.


Valley Oak Sector Barbell

The Sector Barbell strategy invests in sectors that are both offensive and defensive. The barbell invests in defensive sectors on one end and offensive on the other end. The percentage allocated to each end will changed based on outside research and proprietary indicators.  The strategy may invest up to 65% into equities. It may also utilize themed based Unit Investment Trusts to complement the sector positions.


Valley Oak Sector Rotation

The Sector Rotation Strategy uses Exchange traded Funds and can invests in the 11 sectors of the United States economy or as few as one.  At times, the strategy will include gold miner stocks. It may also take positions outside the United States when appropriate. The strategy will allocate to those sectors the research team believe will outperform the broader markets. This strategy may invest up to 80% in equities.


Valley Oak Socially Responsible Investing

This Socially Responsible Investing strategy (knows as our SRI model) is for investors who seek to align their investments with their social values. It employs the same proprietary process as the Dynamic Growth strategy but with a primary focus on social responsibility. Our research team carefully picks mutual funds that they believe will perform to their standards while making sure to keep in mind the importance of our future and the impact companies have on our planet.


*Investing includes risks, including fluctuating prices and loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective. ETF’s trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF’s net asset value. Upon redemption, the value of fund shares may be worth more or less than their original cost. ETF’s carry additional risks such as not being diversified, possible trading halts, and index tracking errors. Unit Investment Trusts are a fixed portfolio of securities with a set term. Strategies are long term, therefore investors should consider their ability to pursue investing in successive trusts and the tax consequences.