Our Firm

At Valley Financial Group, our mission is simple:  to provide personalized investment and financial advice that helps minimize our clients’ financial concerns and maximize their security.

 

Garrett German understands that every client has unique needs.  His role is to help you make smart, well-informed decisions about your financial future and your investments—providing you with greater financial independence and security.

 


  • Our investment strategies enhance your success by establishing a growing portfolio that helps to optimize returns and lower volatility.
     
  • We are affiliated with many of the country’s leading investment management firms.  They execute the investment strategies dictated by your personal plan.  These alliances allow Garrett to provide comprehensive quarterly reports, detailed tax information, and high levels of advice and service at a reasonable cost.
     
  • Our Clients are state employees that participate in CAL STRS or CAL PERS, business owners, and single, divorced, or widowed women.  They are financially successful, experienced, and prudent investors with an average portfolio size of $250,000. 
     

 

While each of our clients is unique, they all have one thing in common:  They want unbiased financial advice from an experienced professional.  Our clients look to us to help preserve their capital and provide real growth in their portfolios after taxes and inflation.  They have worked hard for their money and look to us to guide them toward financial security in retirement. 

 

Our Approach

 

When you start working with Garrett, he becomes your “personal chief financial representative,” offering the resources to coordinate all of your financial needs.  Garrett German has developed strategic alliances with key professionals who can handle your estate planning, retirement planning, and even your tax planning.  We believe that the synergy created by professionals working together makes our team approach more efficient than working with any one of us individually. 

 

Unlike many brokers, we are an independent firm with no proprietary financial products to push.  Our approach is different—we are a fee-for-service company. 

 


  • We have found that the out-of-date commission system is an obstacle to conscientious advisors because it stresses transactions, which may not always be in your best interest. 
     
  • Our fees vary depending on portfolio size, type of assets, management style and, in some cases performance.
     
  • Because our fees increase only if your portfolio grows, our interest are aligned with yours.  We focus on your financial objectives and your future. 
     

 



Our Investment Process

 

Before we begin developing your investment strategy, we take a good, hard look at where you are at today.  We assess your investment goals, available resources, desired rate of return, and risk tolerance.  This research allows us to customize a plan to fit your specific needs. 

 

Then we develop a unique Investment Policy Statement-a blue print that addresses your specific risk versus return concerns.  Once that blue print is in place, we provide personalized investment advice. 

 

Asset allocation is the process of allocating investment funds into different asset classes in a way that enables you to maximize your expected return for a specific level of risk.  We have found that it is responsible for more than 90 percent of the variations in portfolio performance-so choosing the right asset allocation for you is our top priority. 

 

But our interest in your success does not stop there:

 


  • We carefully monitor its progress, providing you with both quarterly statements and annual review meetings that summarize your activity and compare it to your goals.  
     
  •  We make periodic adjustments to rebalance your portfolio, ensuring that our strategies stay on track with your needs.