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Great Valley Advisor Group Review

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Great Valley Advisor Group, Inc.

Great Valley Advisor Group, Inc.

Fee-based financial advisor firm Great Valley Advisor Group, Inc. (GVA) is headquartered in Wilmington, Delaware. The firm offers various advisory services to nearly 7,300 clients, and it has 66 advisors managing more than $1.4 billion in assets under management (AUM). 

Great Valley Advisor Group, Inc. Background 

Founded in 1986 by Alan Peters, GVA functions as a full-service registered investment advisor (RIA). Though based in Delaware, the firm also has two Pennsylvania offices in Chester Springs and Paoli. The firm is now equally owned by Ryan C. Todd and James J. Spinelli. 

GVA’s team includes two chartered financial consultants (ChFCs), two accredited investment fiduciaries (AIFs), one chartered life underwriter (CLU), one chartered financial analyst (CFA) and one certified public accountant (CPA). 

Great Valley Advisor Group, Inc. Client Types and Minimum Account Sizes

Non-high-net-worth individuals make up the majority of GVA’s client base, but the firm also advises high-net-worth individuals, retirement plans, corporations, profit sharing plans, limited liability companies (LLCs), charitable organizations and state or municipal government entities. 

The firm generally doesn’t impose a minimum account size requirement. 

Services Offered by Great Valley Advisor Group, Inc.

GVA offers its clients the following advisory services:

  • Portfolio management
  • Financial planning
  • Selection of other advisors
  • Educational seminars/workshops
  • Consulting services

Great Valley Advisor Group, Inc. Investment Philosophy

GVA’s firm brochure says its investment approach is characterized by portfolio management tailored to the long-term goals of each client. In offering its clients investment recommendations, the firm utilizes an in-house money management program, Valor Asset Management of GVA, which relies on the resources of LPL Financial and Morningstar. 

The program employs several strategies which are available in three categories: mutual-fund-only, ETF-only or blend. 

Fees Under Great Valley Advisor Group, Inc. 

GVA primarily earns its compensation from asset-based fees, hourly charges and fixed fees. Fees are billed quarterly in advance or arrears, and fees vary for non-wrap fee and wrap fee arrangements. Non-wrap fee clients pay investment advisory fees ranging from 2% to 2.50%. Clients invested in separately managed account programs of third party advisors encounter fees that may be charged as part of a wrap fee agreement. These fees typically range from 2% to 2.5%. 

For financial planning and/or consulting services, the firm charges a negotiable fixed fee ranging from $250 to $16,000. Clients requiring ongoing financial planning services generally pay a recurring fee up to $5,000 per year. GVA charges a minimum annual fee of $1,000 for its financial plan consulting services. 

Other expenses include deferred sales charges, 12(b)-(1) fees, third party advisor fees, custodial fees, transaction fees, exchange fees and transfer taxes. Below, we've listed the fee schedule for investment advisory services on a non-wrap fee basis. 

Non-wrap fee basis:

Amount of assets Annual fee
$ 0 – 500,000 2.50%
$ 500,001 – 1,000,000 2.25%
$ 1,000,000 – 3,000,000 2.00%
$ 3,000,001 + Negotiable

What to Watch Out For 

Conflicts of interest can arise, because GVA advisors earn additional compensation from recommending and selling certain investment products and services. However, the firm’s fiduciary duty prevents advisors from favoring such products over client needs. 

Disclosures

GVA’s Form ADV doesn’t list any disclosures. 

Opening an Account With Great Valley Advisor Group, Inc.

GVA offers several different ways to get in touch. If you’re interested in setting up an account, you can email the firm or fill out its contact form on its website. You can also contact GVA at (302) 483-7200. 

Tips for Investing

  • It can be exciting to see how much your investments earn you over time, but you’ll want to make sure you’ve familiarized yourself with your area’s capital gains taxes. This will help you anticipate how your returns will be affected. Our capital gains tax calculator can help. 
  • If you’re in search of professional guidance, SmartAsset’s free financial advisor matching tool connects you with up to three local advisors suitable to your financial goals. All you’ll need to do is complete a short questionnaire about your financial situation, and the tool will do the rest.

All information was accurate as of the writing of this article.

How Many Years $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology To determine how long a $1 million nest egg would cover retirement costs in cities across America, we analyzed data on average expenditures for seniors, cost of living and investment returns.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. This reflects the typical return on a conservative investment portfolio. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research