VFM Disclosures

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

Valley Financial Management, Inc. (VFM) is a subsidiary of Valley National Bank. In the U.S., banking products and services are provided through Valley National Bank, and brokerage products and services are provided by VFM. VFM is a member of FINRA.

Non-deposit investment products offered through Valley Bank and VFM are:

* Not insured by the FDIC or any other federal or government entity
* Not guaranteed by Valley Bank, or any other bank
* 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. If the information discussed in this communication concerns insurance, emerging markets, structured products, or other securities or securities-related product sold by or through VFM or Valley National Bank, please go to blusa.valley.com/bank-disclosures for possible additional important disclosure information concerning the product or service.

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.