VFM Disclosures

VFM Annual Disclosure Statement 2023
VFM Form CRS July 2023
Rule 606(a) Reports (Order Routing Practices)

Banking products and trust services are provided by Valley National Bank (the “Bank”), Member FDIC.  Brokerage and insurance products are provided by Valley Financial Management, Inc. (“VFM”), a registered broker-dealer, member of FINRA and SIPC, and a licensed insurance agency.  VFM is a wholly owned subsidiary of the Bank. You are welcome to check the background and experience of our bankers with BrokerCheck by FINRA.

Non-deposit investment products offered by the Bank and its subsidiaries including VFM are:

  • Not insured by the Federal Deposit Insurance Corporation (“FDIC”);
  • Not a deposit or other obligation of, or guaranteed by, the Bank; and
  • Subject to investment risks, including possible loss of the principal amount invested.

All investors must carefully consider the risks, charges, fees, and expenses, review the prospectus or other offering information, if applicable, and consider their personal financial situation and tolerance for risk, before making any investment.  Neither the Bank nor any of its subsidiaries provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Valley Financial Management (“VFM)” is a securities broker-dealer registered with the US Securities and Exchange Commission and various state securities regulators in the United States. VFM is not registered with, and does not intend to register with, regulatory authorities outside the United States. VFM does not offer any services to persons outside the United States that would require VFM to become a registered or licensed in any non-US jurisdiction.