Investing Philosophy

---

Philosophy

As a protective index distributor, we seek to collaborate with independent wealth managers who

serve qualified clients and wish to strengthen their private offerings. Vallum Financial Group was

founded with a single purpose: to make institutional-grade protective indexing accessible through

a private, compliant framework. We believe that disciplined structure and thoughtful protection

can create stability in an environment often defined by volatility and concentration.

Our work centers on distribution rather than promotion. We provide a private system through

which qualified advisers can access and implement protective index strategies designed to

moderate exposure and maintain alignment with long-term objectives. The protective index is

built from established components, combining the risk-managed design of Avantis and

Dimensional index funds into a framework that seeks to preserve capital while maintaining

systematic market participation.

We recognize that most investors outside of large family offices rarely have access to defensive,

institutionally structured tools. Vallum was created to address that gap. By working only through

pre-established and verified relationships with wealth managers, we maintain a selective,

compliant, and relationship-driven approach. Every engagement is private and conducted under a

discretionary investment-management agreement.

At its core, Vallum reflects a belief in prudence and partnership. We are not an adviser to the

public and we do not solicit investments. Our focus is on extending access, structure, and

reliability to professional intermediaries who value protection as much as performance discipline.

Operating Principles

We collaborate only with verified qualified clients and their appointed wealth managers. Every

relationship begins with understanding structure, compliance, and eligibility before any

discussion of allocation. Documentation and verification remain central to how we operate. Each

client must meet the Qualified Client definition under Rule 205-3 and acknowledge eligibility

through signed representations maintained in firm records.

We adhere to a standard of precision and confidentiality. All communications are individual,

private, and informational. There are no public offerings or general solicitations of any kind.

Outreach is conducted through professional correspondence, and all information provided is

designed to foster understanding, not persuasion.

Vallum operates within the limits of the private-investment-manager exemption under the

Investment Advisers Act. We serve a small number of qualified clients, maintain detailed

compliance records, and ensure that all activities conform to antifraud and advertising provisions.At Vallum Financial Group, we are committed to providing our customers with the best banking experience possible. Our team of experts is here to help you with all your financial needs, whether it's opening a new account, applying for a loan, or simply answering your questions. We look forward to serving you and helping you achieve your financial goals.