Who we serve · Couples & family members
One household. One plan. Everyone in the room.
Money decisions are rarely made alone. So we don’t plan as if they are.
The problem
The one-spouse plan.
Most advisors meet with one spouse, send the statements to one email, and build a plan only one person fully understands. When the other spouse—or an adult child, or an aging parent—finally asks a question, they’re handed a spreadsheet and a shrug. Two people, two versions of the plan, and a decision nobody feels great about.
How Valla works
We map the whole household first.
Who earns, who decides, who depends on whom, and what everyone is actually trying to protect. Then we build a single plan every decision-maker can see, understand, and track in real time…in plain English. When something changes, the plan changes with it, and everyone sees the same version.
What you get
Specifically.
A shared, living plan both spouses can read without a translator Goals stated the way your family says them—“keep the lake house,” not “asset allocation” A seat at the table for the family members who should be there, with clear roles Portfolios built to protect what you’ve already won, because losses hurt worse than gains help Fee terms and eligibility explained in the advisory agreement before you decide One version of the truth, visible to everyone who matters
Frequently asked questions
The questions people ask us. And the ones they don’t.
The one nobody asksOne of us handles the money. Do we both really have to be involved?
No one has to do anything. But the spouse who does not do the money is often the one left alone with it, on the worst day of their life, with no idea what any of it means.
We ask for one hour, then build the plan so it can be read without becoming a financial expert. The goal is that either of you could run the household if you had to.
The one nobody asksWhat if my spouse and I disagree about money?
You will. One of you may want more cash, one may want to help the kids more, or one may see retirement as a number while the other sees it as a feeling.
We put both views into one plan with real numbers attached, so the question becomes whether you can afford both rather than who is right.
The one nobody asksWill you tell my spouse everything I tell you?
For joint clients, we work from one plan and one set of facts. We will not hold a secret account or hidden strategy for one spouse.
If you need to discuss something separately first, say so. We will help you figure out how to bring it into the room.
Our adult kids are asking questions. Can they be part of this?
Yes, with your permission and on your terms. We can set clear roles for family members who decide, who is informed, and who should know whom to call if something happens.
We already have an advisor. Why would we move?
You might not need to. If both of you can explain the plan, know what you pay, and know what a 30% down year would do to it, staying may make sense. If only one of you can answer those questions, that is the gap we fill.
The one nobody asksHow do you actually get paid?
Fees, payment timing, and eligibility are set out in the advisory agreement and Form ADV before you sign anything. Certain qualified clients may be eligible for a high-water-mark arrangement, subject to its specific terms.
Ask us to walk through the applicable fee schedule, including any deferred-fee and quarterly calculation provisions, before you make a decision.
How much do we need to work with you?
Roughly $1.5 million in investable assets is where our process makes sense for a household. If you are close and it is a fit, talk to us.
Who this is for
Couples and multigenerational families with roughly $1.5M or more in investable assets who are tired of being the only one who understands the plan.
Let’s put the whole household on one page.
30 minutes. No pitch. We’ll tell you if we’re not the right fit.