Services

Integrating Three Circles
of Financial Solutions on One Platform

“Valmark is the pre-eminent broker dealer for hybrid firms (multi-disciplinary, selling life insurance AND investment products). Other firms may say they service both sides of your business, but they usually are very inadequate in one or the other. Valmark services life insurance as well as ANYONE in the industry, and they have robust capabilities on the investment side, plus they offer TOPS®, which really rounds out the offering.“

Mark Chandik, CLU, ChFC, AIF
FDP Wealth Management
Member since 2011
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Full broker-dealer services
A broad offering of securities and investments.
Diversified (non-proprietary) product offering
Includes extensive lineups of mutual funds, exchange traded funds, annuities, retirement plans, 529 plans, life insurance products and a variety of other solutions.
Registered investment advisory services
Offering fee-based solutions, no-load funds, separately managed accounts, third party asset managers, financial planning and robust platforms for trading, reporting, and managing your advisory business.
Comprehensive errors & omissions coverage
For all business lines with broad coverages and competitive rates.
National availability, access & licensing
Products and services enabling you to serve clients all over the country.
Robust financial technology (FINTECH) offerings
Includes web portals, apps and other media that integrate various business lines into consolidated dashboards for both you, as the advisor running your practice, and your clients, to access their accounts online.
**CLOSED** Code in CSS Main Element
Fully staffed professional teams

Valmark has teams within the broker-dealer, investment advisory and life insurance agency spaces that serve as “Advisors-to-Advisors,” helping you identify and implement the right financial solutions for your clients, in contrast to most broker-dealers where advisors are turned over to wholesalers. Most professional staff on Valmark’s marketing and planning teams are Series 24 Registered Principals, so the plans that are created have compliance obligations front and center to help you find the best independent solutions for clients.

Sales aggregated for grid payout
Because of Valmark’s unique position as an independent broker-dealer, advisory firm, and insurance agency, not only do sales of registered products move you to higher levels of compensation, but so do sales of non-registered insurance products.
A team of CERTIFIED FINANCIAL PLANNER™ professionals on staff
The team will help you create comprehensive, financial plans for your clients. The team of CFPs draws upon solutions from the broker-dealer, investment advisor, and life insurance agency, utilizing both fee-based and commission-based solutions, to ensure your clients have the tools necessary for achieving their goals.
Wide array of investment options

Options that range from accessing Third Party Money Managers to serving as your own “Rep as Portfolio Manager” to leveraging Valmark Wealth Solutions which bundles portfolio management, trading, and reporting into a single package you can outsource to Valmark so you can focus on what you do best: engaging with clients. Whatever path you choose, the investment management offerings at Valmark are virtually endless.

Industry-leading life insurance producer group

This group integrates case design, underwriting advocacy, case management, and insurance company interaction for fixed and variable products into a single relationship assigned to your office. This enables you to develop a best-in-class insurance capability as a significant source of revenue to augment and integrate with your clients’ financial, business and estate plans.

Life settlement brokerage services done directly in house

As one of the first and largest brokers of Life Settlements, Valmark’s internal team facilitates the analysis and sale of fixed and variable life insurance policies that are no longer needed. All policies are purchased by institutional buyers through a transparent bidding process. Valmark is one of only a few broker-dealers to offer this service, with full Errors & Omissions coverage.

Retirement Plan services through a turnkey platform
Helps you manage your obligations as a fiduciary by offering discretionary investment management under ERISA Section 3(38). Valmark Retirement Turnkey™ frees up your time to focus on your business and reduces operational costs by helping you navigate the landscape of available plan design options, investment managers, and investment monitoring services.
Dedicated new member firm transition team
Helps you ensure your transfer process goes smoothly while serving as your concierge for integrating the various business units at Valmark so you can be up and running with a broad offering of services seamlessly and in little time.
**CLOSED** Code in CSS Main Element
Seamless integration of all products and services on one platform

We provide comprehensive products and services ranging from advisory, broker-dealer, and insurance offerings, a new business submission process, payout grids/schedules, commission reporting, and compliance oversight—to maximize objectivity and efficiency in running your practice.

A promise you can count on

Each Member Office invited to join Valmark receives a customized letter which sets out exactly what you can expect from Valmark. This Clear Expectations Letter gives you the confidence of knowing that all major issues discussed have been committed to in writing by the ownership of the firm.

Your business, your clients
Valmark is committed to protecting your independence as a business owner. One of the ways we protect you is we assure you in writing that your clients are yours to take with you should you ever need to leave.
Professional partners
We have a rich history working with financial institutions. We build custom programs and education to address the financial services needs for the clients of accounting firms, banks, property & casualty firms, etc.
A unique planning module designed to address each client need
One of our true differentiators is the intellectual property behind our toolbox of consultative planning modules built around each product line using a structure that allows advisors to always do what is best for clients. Each module provides marketing materials customizable with your brand, as well as unique client deliverables that prove these are not just ideas, but substantive, analytical models for helping clients reach their goals.
Creative Marketing Hub

A one-stop shop for all things marketing including logos, websites, social media services, video production, customized marketing materials and custom branding of all Valmark original marketing and educational materials with your brand, minimizing the appearance of Valmark so you can be the star of the show with clients.

Access to The Optimized Portfolio System (TOPS®)
Created by Valmark, TOPS® is one of the industry’s first all-Exchange Traded Fund (ETF) investment platforms with an offering that is truly turnkey, cost effective, totally transparent, and differentiated. Twenty-three life insurance companies feature institutional versions of TOPS® in their variable annuities, variable life, and COLI products.
Life Assurance 360™ Process (LA360™)
Our turnkey, goals-based system for designing, implementing, and
managing life insurance, including comprehensive back-office support and client-facing presentation tools.
Life Insurance Underwriting Advocacy™
Our independent, fully staffed underwriting team offers expertise for managing jumbo cases and those where the insureds have complex medical histories. Our Private Underwriting Risk Evaluation (PURE™) process allows us to gather and evaluate underwriting evidence while protecting the identity and insurability of your most important clients. By having more risk assessment tools at our disposal up front, our underwriters are better able to anticipate underwriting roadblocks and proactively negotiate solutions.
Life Insurance Fulfillment Tool™ (LIFT™)
Our state-of-the-art electronic tool that enables financial professionals to gather and submit all necessary information for submitting a life insurance case, informally or formally, virtually. This enables life insurance professionals to work remotely with clients throughout the entire life insurance process—a true game-changer in the life insurance profession.
A total outsourced model for life insurance sales and service
How is this unique? Valmark’s staff of experts provide end-to-end service, including: case design, carrier analysis, product analysis, underwriting advocacy, and white-glove assistance to the client and their rep when completing all paperwork. After the policy is placed, it is managed, monitored and serviced by our Policy Management Company. Copies of the annual audit are sent to the Trustee, CPA, and attorney. No commission sharing is expected and services are fee-based. By not requiring commission splits, you are able to retain full compensation, even on your largest cases. Additionally, a fee is charged only when used. This is a great way for financial professionals to provide industry-leading insurance support on a variable cost basis, without the obligation of ongoing fixed expenses.
The Policy Management Company

Allows insurance advisors to outsource policy monitoring and management services for clients’ in-force life insurance policies. These fee-based services include an annual review and audit of every life insurance policy owned by clients. The audit confirms premiums have been paid on time, shows the impact of changes in interest rates or costs of insurance on the viability of the policy, and identifies changes in ownership of the carrier that issued the policy. Ask for our data that proves how you can double the number of policies on track and generate additional revenue for your firm.

Right Fit Staffing Solutions
Recruiting and retaining staff is often one of the greatest challenges for financial professionals. This is why Valmark provides Right Fit Staffing Solutions™ to our Member Firms. This service helps financial professionals identify their staffing needs, design key roles and job descriptions, recruit top talent, and hire the right candidates while providing the necessary tools to retain talent at your firm for the long term.
A company committed to staying privately held
In an industry where ownership and management teams change often, partnering with a firm committed to staying privately held is essential. While many firms talk of their commitment to private ownership, Valmark has demonstrated this commitment with three consecutive generations of current ownership. Feel free to ask us in detail about our strategy for keeping the company privately held so you can build your business on a platform that provides confidence and stability for the long run.
**CLOSED** Code in CSS Main Element
Full broker-dealer services
A broad offering of securities and investments.
Diversified (non-proprietary) product offering
Includes extensive lineups of mutual funds, exchange traded funds, annuities, retirement plans, 529 plans, life insurance products and a variety of other solutions.
Registered investment advisory services
Offering fee-based solutions, no-load funds, separately managed accounts, third party asset managers, financial planning and robust platforms for trading, reporting, and managing your advisory business.
Comprehensive errors & omissions coverage
For all business lines with broad coverages and competitive rates.
National availability, access & licensing
Products and services enabling you to serve clients all over the country.
Robust financial technology (FINTECH) offerings
Includes web portals, apps and other media that integrate various business lines into consolidated dashboards for both you, as the advisor running your practice, and your clients, to access their accounts online.
**CLOSED** Code in CSS Main Element
Fully staffed professional teams

Valmark has teams within the broker-dealer, investment advisory and life insurance agency spaces that serve as “Advisors-to-Advisors,” helping you identify and implement the right financial solutions for your clients, in contrast to most broker-dealers where advisors are turned over to wholesalers. Most professional staff on Valmark’s marketing and planning teams are Series 24 Registered Principals, so the plans that are created have compliance obligations front and center to help you find the best independent solutions for clients.

Sales aggregated for grid payout
Because of Valmark’s unique position as an independent broker-dealer, advisory firm, and insurance agency, not only do sales of registered products move you to higher levels of compensation, but so do sales of non-registered insurance products.
A team of CERTIFIED FINANCIAL PLANNER™ professionals on staff
The team will help you create comprehensive, financial plans for your clients. The team of CFPs draws upon solutions from the broker-dealer, investment advisor, and life insurance agency, utilizing both fee-based and commission-based solutions, to ensure your clients have the tools necessary for achieving their goals.
Wide array of investment options

Options that range from accessing Third Party Money Managers to serving as your own “Rep as Portfolio Manager” to leveraging Valmark Wealth Solutions which bundles portfolio management, trading, and reporting into a single package you can outsource to Valmark so you can focus on what you do best: engaging with clients. Whatever path you choose, the investment management offerings at Valmark are virtually endless.

Industry-leading life insurance producer group

This group integrates case design, underwriting advocacy, case management, and insurance company interaction for fixed and variable products into a single relationship assigned to your office. This enables you to develop a best-in-class insurance capability as a significant source of revenue to augment and integrate with your clients’ financial, business and estate plans.

Life settlement brokerage services done directly in house

As one of the first and largest brokers of Life Settlements, Valmark’s internal team facilitates the analysis and sale of fixed and variable life insurance policies that are no longer needed. All policies are purchased by institutional buyers through a transparent bidding process. Valmark is one of only a few broker-dealers to offer this service, with full Errors & Omissions coverage.

Retirement Plan services through a turnkey platform
Helps you manage your obligations as a fiduciary by offering discretionary investment management under ERISA Section 3(38). Valmark Retirement Turnkey™ frees up your time to focus on your business and reduces operational costs by helping you navigate the landscape of available plan design options, investment managers, and investment monitoring services.
Dedicated new member firm transition team
Helps you ensure your transfer process goes smoothly while serving as your concierge for integrating the various business units at Valmark so you can be up and running with a broad offering of services seamlessly and in little time.
**CLOSED** Code in CSS Main Element
Seamless integration of all products and services on one platform

We provide comprehensive products and services ranging from advisory, broker-dealer, and insurance offerings, a new business submission process, payout grids/schedules, commission reporting, and compliance oversight—to maximize objectivity and efficiency in running your practice.

A promise you can count on

Each Member Office invited to join Valmark receives a customized letter which sets out exactly what you can expect from Valmark. This Clear Expectations Letter gives you the confidence of knowing that all major issues discussed have been committed to in writing by the ownership of the firm.

Your business, your clients
Valmark is committed to protecting your independence as a business owner. One of the ways we protect you is we assure you in writing that your clients are yours to take with you should you ever need to leave.
Professional partners
We have a rich history working with financial institutions. We build custom programs and education to address the financial services needs for the clients of accounting firms, banks, property & casualty firms, etc.
A unique planning module designed to address each client need
One of our true differentiators is the intellectual property behind our toolbox of consultative planning modules built around each product line using a structure that allows advisors to always do what is best for clients. Each module provides marketing materials customizable with your brand, as well as unique client deliverables that prove these are not just ideas, but substantive, analytical models for helping clients reach their goals.
Creative Marketing Hub

A one-stop shop for all things marketing including logos, websites, social media services, video production, customized marketing materials and custom branding of all Valmark original marketing and educational materials with your brand, minimizing the appearance of Valmark so you can be the star of the show with clients.

Access to The Optimized Portfolio System (TOPS®)
Created by Valmark, TOPS® is one of the industry’s first all-Exchange Traded Fund (ETF) investment platforms with an offering that is truly turnkey, cost effective, totally transparent, and differentiated. Twenty-three life insurance companies feature institutional versions of TOPS® in their variable annuities, variable life, and COLI products.
Life Assurance 360™ Process (LA360™)
Our turnkey, goals-based system for designing, implementing, and
managing life insurance, including comprehensive back-office support and client-facing presentation tools.
Life Insurance Underwriting Advocacy™
Our independent, fully staffed underwriting team offers expertise for managing jumbo cases and those where the insureds have complex medical histories. Our Private Underwriting Risk Evaluation (PURE™) process allows us to gather and evaluate underwriting evidence while protecting the identity and insurability of your most important clients. By having more risk assessment tools at our disposal up front, our underwriters are better able to anticipate underwriting roadblocks and proactively negotiate solutions.
Life Insurance Fulfillment Tool™ (LIFT™)
Our state-of-the-art electronic tool that enables financial professionals to gather and submit all necessary information for submitting a life insurance case, informally or formally, virtually. This enables life insurance professionals to work remotely with clients throughout the entire life insurance process—a true game-changer in the life insurance profession.
A total outsourced model for life insurance sales and service
How is this unique? Valmark’s staff of experts provide end-to-end service, including: case design, carrier analysis, product analysis, underwriting advocacy, and white-glove assistance to the client and their rep when completing all paperwork. After the policy is placed, it is managed, monitored and serviced by our Policy Management Company. Copies of the annual audit are sent to the Trustee, CPA, and attorney. No commission sharing is expected and services are fee-based. By not requiring commission splits, you are able to retain full compensation, even on your largest cases. Additionally, a fee is charged only when used. This is a great way for financial professionals to provide industry-leading insurance support on a variable cost basis, without the obligation of ongoing fixed expenses.
The Policy Management Company

Allows insurance advisors to outsource policy monitoring and management services for clients’ in-force life insurance policies. These fee-based services include an annual review and audit of every life insurance policy owned by clients. The audit confirms premiums have been paid on time, shows the impact of changes in interest rates or costs of insurance on the viability of the policy, and identifies changes in ownership of the carrier that issued the policy. Ask for our data that proves how you can double the number of policies on track and generate additional revenue for your firm.

Right Fit Staffing Solutions
Recruiting and retaining staff is often one of the greatest challenges for financial professionals. This is why Valmark provides Right Fit Staffing Solutions™ to our Member Firms. This service helps financial professionals identify their staffing needs, design key roles and job descriptions, recruit top talent, and hire the right candidates while providing the necessary tools to retain talent at your firm for the long term.
A company committed to staying privately held
In an industry where ownership and management teams change often, partnering with a firm committed to staying privately held is essential. While many firms talk of their commitment to private ownership, Valmark has demonstrated this commitment with three consecutive generations of current ownership. Feel free to ask us in detail about our strategy for keeping the company privately held so you can build your business on a platform that provides confidence and stability for the long run.

Valmark Financial Group® is comprised of 4 entities. Click on each one below to learn more.

Executive Insurance Agency is an independent, full-service life insurance agency and producer group providing general account, estate planning and business insurance products and services designed for independent wealth transfer professionals. The agency offers:

  • A full range of life insurance products as well as disability and long-term care offerings from 25+ industry leading insurance carriers;
  • One of the industry’s largest, independent insurance-buying cooperatives for Member Firms with an estimated $60+ billion of in-force life insurance and $8 billion of cash value. This combined buying power gives Members preferred access and leverage to negotiate the best arrangements on behalf of their clients.
  • An in-house Concierge Services team which helps take the burden of the life insurance application process off Member Firms so that they can lower their fixed overhead and amount of paperwork and instead focus on building relationships with their clients and revenue generating activities;
  • An in-house underwriting facility with a capability greater than most insurance companies, including multi-carrier underwriting expertise for jumbo cases and an Advocacy program designed to eliminate surprises and secure the most favorable offers in the marketplace.

Valmark Advisers® is an SEC Registered Investment Advisory firm with dedicated RIA specialists and an extensive offering of third-party asset managers to assist advisors engaged in fee-based planning. Valmark Advisers has become our fastest growing entity and the largest source of income for many Valmark Firms. In addition, it provides:

  • Fee-based financial planning and consulting;
  • Exclusive access to The Optimized Portfolio System (TOPS®), the industry’s first all-Exchange Traded Fund (ETF) investment platform. With $5 billion of assets under management, TOPS® is one of the largest ETF managers in the world. For more information on our TOPS® program, go to www.topsfunds.com;
  • Access to a number of industry-leading portfolio management solutions;
  • A multi-custodial platform, including Schwab and Pershing.
Valmark Policy Management Company exists to ensure that actual results align with a client’s expectations of their promised policy benefits. Our ongoing policy management and monitoring services give Member Firms and their clients direct access and control of each policy’s performance, using innovative technology and a dedicated team of Valmark experts. Grounded in our 50+ years of providing sophisticated life insurance solutions, this service creates a client experience that represents a new standard of excellence within the insurance industry.
Valmark Securities® is a full-service broker-dealer and member of FINRA and SIPC. Its offerings include:

  • Full brokerage services in mutual funds, stocks, bonds and CDs;
  • A diversified, open-architecture product line including mutual funds, variable and traditional annuity products, unit investment trusts and managed accounts;
  • A retail trading desk offering government securities, municipal bonds, and other fixed income securities through Pershing;
  • The broadest set of variable life, variable annuities and COLI products in the industry, including one of the largest blocks of in-force variable life;
  • A fully-transparent life settlement brokerage that offers one of the industry’s most efficient and compliant outlets for selling life insurance policies. Our Life Settlements Advocacy program has created an additional $110 million of value for clients.

ValmarkFG®

The Valmark Financial Group Family of Companies

Over the years, Valmark Financial® has evolved from an innovative producer group (Executive Insurance Agency) founded in 1963 serving high-end life insurance firms, to today’s family of companies known as Valmark Financial Group.

Each of these companies brings a package of solutions, services and products that allow Members to better serve their clients.

To contact us, please call 1-800-765-5201.

A Personal Relationship Means “You First”

The relationship your firm enjoys as a Valmark Member is tailored to YOUR strengths, YOUR goals, and YOUR business. Our flexibility is how you know we respect your expertise.

While many broker dealers may offer a wide range of products and services, their idea of “value added” often means giving you a list of “800 numbers”. At Valmark, you receive a dedicated team of internal professionals who provide integrated support for both your insurance and investment business through a central source. With one phone call, your internal team can coordinate all aspects of your case or inquiry – including technical and marketing support, case design, provider questions, software and online support, underwriting, compliance, client service and more.

HIGH TOUCH MEANS HIGH RETENTION

What is also indicative of the high value we place on our relationships with our Members is our turnover rate of only 1%, which is one tenth of that experienced by other independent broker-dealers.

Today, our average Member Firm generates approximately five times the total revenue that they did two decades ago. This is a strong testament to the sound and collaborative relationships we have built with our Firms, the continued alignment we have with our Members and their clients, and our steadfast commitment to staying flexible and ahead of changes taking place in our industry.

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Securities offered through Valmark Securities, Inc. Member FINRA/SIPC. Investment advisory services offered through Valmark Advisers, Inc., a SEC Registered Investment Advisor.
130 Springside Drive, Akron, Ohio 44333. (800) 765-5201. FINRA | SEC | SIPC |MSRB  |  ©2024 Valmark Financial Group | All rights reserved.