FAQs with Maria

We work with professional women (and their families, when applicable) who have a household income of at least $250k per year OR have accumulated over $1M in investable assets. While we have the expertise to serve high-net-worth individuals, our services are also tailored to those who are on their way to building wealth. Whether you’re looking to optimize your taxes, grow your investments, prepare for a life change event, or plan for retirement, we provide personalized financial strategies to help you achieve your goals—regardless of your current net worth. Our focus is on helping clients at every stage of their financial journey.

We provide comprehensive financial planning tailored to professional women, including tax-aware investment and financial strategies, retirement planning, equity compensation guidance, estate planning and other wealth-building solutions. Our approach ensures your finances align with your goals while minimizing taxes and maximizing opportunities for long-term success.

Our services are best suited for professional women and families with a household income of at least $250,000 annually OR who have accumulated $1 million or more in investable assets. If you’re below this threshold but are committed to growing your wealth and believe our services could be valuable to you, we encourage you to reach out for an initial consultation. We can discuss your specific needs and determine if we’re a good fit for each other.

Yes! Our initial consultation is completely complimentary and designed to help us get to know each other. During this meeting, we’ll discuss your financial goals, current situation, and explore how our services can best support you. It’s also the perfect time for you to ask any questions about our firm, our approach to financial planning, and how we can work together to achieve your objectives. This conversation helps ensure we’re the right fit to partner on your financial journey.

We operate on a fee-only basis, meaning we do not earn commissions from selling financial products. Instead, we charge a transparent advisory fee for the comprehensive financial planning services we provide. This ensures that our recommendations are always in your best interest, with no conflicts of interest. You can learn more about my fees here. 

Yes, we work with clients nationwide. While we are based in Miami, Florida, we offer virtual meetings and collaborate with clients across the country to provide tailored financial planning and tax strategies, no matter where you are.

I speak both English and Spanish and am happy to communicate with you in the language that you prefer and feel most comfortable speaking

At Valoria Wealth Management, we incorporate tax strategies into every aspect of your financial plan to help you keep more of what you earn. Here’s how we can help:

• Maximizing your yearly tax deductions by identifying all eligible deductions and credits.

• Optimizing taxes on equity compensation, including RSUs, stock options, and other awards, to reduce your tax liability and align with your financial goals.

• Using tax-loss harvesting to offset gains with losses and minimize taxes on investments.

• Ensuring you realize low capital gains tax rates through strategic planning and timing of asset sales.

• Analysis of tax returns, so you comply with tax regulations while taking advantage of opportunities to save.

• Helping you evaluate the tax impacts of significant financial activities, such as buying a home, starting a business, or receiving an inheritance.

• Minimizing Taxes for Business Owners: We help business owners optimize their tax strategies, from entity structuring to tax-efficient employee benefits and retirement planning, ensuring their business and personal finances are aligned and tax-efficient.

• Charitable Giving Strategies: We assist you in making charitable contributions in a tax-efficient way, maximizing your impact while reducing your taxable income.

• Planning for minimal taxes through an estate plan, ensuring your legacy is preserved efficiently.

These strategies are part of our holistic, tax-aware approach to financial planning, ensuring your short- and long-term goals are met with minimal tax impact.

We believe in practicing what we preach. We invest our personal and retirement savings in the same types of strategies we recommend to our clients, including a mix of tax-efficient stocks, bonds, mutual funds, and ETFs.

Simply put, we “eat our own cooking.” When markets thrive, we celebrate alongside our clients. And during inevitable market downturns, we share in the challenges. This alignment ensures that our recommendations are not only grounded in expertise but also in a personal commitment to sound, long-term investment principles.

At Valoria Wealth Management, we understand the unique financial challenges women face—from pay gaps and career breaks to balancing family and planning for a longer life. These complexities can make wealth management overwhelming, which is why I founded this firm to help professional women navigate them with confidence.

We often hear from women who are frustrated by their previous advisors, citing issues like:

• Unclear Fees and Advice: Uncertainty about the fees being paid and whether the advice aligns with your goals.

• Lack of Communication: Phone calls and emails left unanswered, making you feel ignored.

• Being Talked Down To: Feeling dismissed or that your questions aren't taken seriously.

• Lack of Transparency: Not knowing how your investments are performing or why certain decisions are made.

• Feeling Misunderstood: Advisors not taking the time to understand what’s truly important to you—whether it's family, lifestyle, or long-term goals.

At Valoria, we do things differently. I prioritize listening to you and understanding your unique financial goals. You’ll work directly with me, and I’ll respond to your questions promptly and clearly. With a transparent, holistic approach, we’ll create a strategy that aligns with your values, goals, and vision for the future.