Valley Financial Management, INC.

Valley Financial Management (VFM), also known as Valley Digital Investor, provides automated investment advice through an online platform. VFM uses your age, financial profile, goals, time horizon, and risk tolerance to recommend an investment strategy. Once you confirm your financial plan and investment strategy, VFM automatically implements it and rebalances your portfolio. VFM offers six pre-built portfolios consisting primarily of exchange traded funds (ETFs). VFM is a subsidiary of Valley National Bank, and clients are required to open a bank account with Valley National Bank.