Helping you achieve what matters most.
Our service approach is designed to evolve as your life changes, ensuring your financial decisions remain aligned through every stage of your journey.
What is a wealth plan.
A wealth plan is a comprehensive framework that aligns your finances with your life. It’s to help guide decisions today while preparing for what’s ahead.
Not one size fits all approach:
➤ Your goals, values, and priorities are unique and so is your wealth plan.
➤ Life changes over time, and your approach should adapt with you.
➤ Different stages require different decisions, tradeoffs, and levels of risk.
➤ A thoughtful plan connects everything in a way that works for you.
The ALLORA FORMula.
This is created with you in mind—because you deserve more. Live comfortably today, keep more of what you earn by minimizing taxes efficiently, safeguard your wealth, grow your investments in a way that truly fits you, protect your legacy for your loved ones, give back meaningfully, and always have proactive, dedicated support right beside you—all in one unified plan made just for you.
Our compensation model.
We believe in full transparency when it comes to compensation. We are paid through an embedded fee model, meaning you don’t receive a separate bill from us for our advice and services. Instead, we are compensated directly by the mutual fund companies whose funds we recommend and place your savings into. This allows you to access professional guidance without any upfront or direct costs.
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You won’t pay us hourly rates, flat fees, or a percentage of your assets out of pocket, we don’t send invoices for our ongoing advice and portfolio management.
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When we invest your money in suitable mutual funds, the fund company pays us an ongoing “trailing” commission (also called an embedded fee).
Mutual Funds available through IPC Investment Corporation
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This commission is built into the fund’s overall expenses (known as the Management Expense Ratio or MER) and is typically a small annual percentage (often 0.25%–1%, depending on the fund) of your investment value.
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The fund company continues to pay us as long as your money remains in the fund, which encourages us to provide ongoing service and select funds that align with your long-term goals.
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These embedded fees are deducted from the fund’s gross returns before performance is calculated. This means that all returns you see reported—whether on your statements, fund fact sheets, or performance reports—are always shown net of the management fee and trailing commission. In other words, the returns reflect what you actually receive after these costs have been taken out.
“As a long-time client of Matthew Valenti's, I am pleased to offer my unqualified support for him and his team. Matthew is very thorough, professional and responsible in providing financial advice on both the big picture and the tiny details. He is a pleasure to work with and just a phone call away, in both the good times and the bad. I couldn't ask for more.”
- Client
