Garrett Chmiola
Valeo is an independent, fee-only financial advisory firm offering objective, independent guidance for one transparent fee
Valeo Financial Advisors · Chicago, Illinois
Garrett Chmiola is a fee-only financial advisor at Valeo Financial Advisors in Chicago, Illinois, who holds the CFP and CPA credentials. Garrett charges a flat fee or retainer and a percentage of assets (ongoing planning from $10,000 a year and no asset minimum) and focuses on real estate investors, small business owners and retirement planning.
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Specialties
Who they serve
- High earners
- Ultra high net worth
- Founders
- Early-career professionals
- Pre-retirees
- Real estate investors
About
At Valeo, we focus on a client’s entire financial picture including insurance, taxes, cash flow, educational funding, retirement, and estate planning. There is one transparent fee that we charge based on your net worth (with a dose of common sense for founders). By focusing on net worth, we eliminate many of the conflicts of interest traditional advisors face when charging solely on investments. In contrast, many advisors sell products to earn commissions, have fees that vary based on the type and quantity of assets they manage, allow fees to vary significantly for similar clients, charge separately for financial planning which likely means this is not a core service – and the list goes on. We strive to provide peace of mind that can only come from knowing all aspects of your financial life are working well together.
Services
- Asset Allocation
- 401(k) & IRA Management
- Cash Flow Planning
- Education Planning
- Estate Planning
- Family Wealth Transfer
- Investment Management
- Liquidity & Exit Planning
- Retirement Planning
- Wealth Management
- Tax Strategy
- Stock Option Planning
- Business Succession Planning
- Family Office Services
- Insurance/Risk Management
- Life Transition Planning
- Portfolio Management
- Real Estate Advisory
Facts
| Firm | Valeo Financial Advisors |
|---|---|
| Based in | Chicago, Illinois |
| Fee model | Flat fee or retainer · Percentage of assets |
| Fees (firm's website) | Ongoing planning from $10,000 a year · No asset minimum |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | Over $5B |
| Firm founded | 2003 |
| Firm size | 50+ employees |
| Credentials | CFP · CPA |
| Investment approach | Blend of both |
| SEC registration | Investment adviser representative in IL, IN · CRD 6764096 |
| Exams passed | Series 65 (2019) |
| Firm size | 178 employees |
| Disclosures | None reported |
| Website | valeofinancial.com |
| Profile |
How Garrett's firm compares
- Ongoing planning starts at $10,000 a year, above the Illinois median of $5,000 for fee-only firms that publish prices.
- Valeo Financial Advisors's average account is about $568,000, from its Form ADV (assets managed divided by 22,812 accounts).
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Questions about Garrett
Is Garrett Chmiola a fee-only financial advisor?
Yes. Garrett Chmiola is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Garrett's firm.
How does Garrett charge for financial advice?
Garrett charges a flat fee or retainer and a percentage of assets.
How much does Garrett charge?
According to Valeo Financial Advisors's website, checked October 28, 2026: ongoing planning from $10,000 a year; no asset minimum.
Does Garrett work with clients virtually?
Yes. Valeo Financial Advisors says on its website that it works with clients remotely.
Where is Garrett Chmiola based?
Garrett Chmiola is based in Chicago, Illinois.
What does Garrett specialize in?
Garrett's specialties include real estate investors, small business owners, retirement planning, equity compensation, family wealth transfer and estate & legacy planning. Garrett works with high earners, ultra high net worth, founders, early-career professionals and pre-retirees.
What credentials does Garrett Chmiola hold?
Garrett Chmiola holds the CFP and CPA credentials.
Is Garrett Chmiola registered with the SEC?
Yes. Garrett Chmiola is registered as an investment adviser representative in IL and IN (CRD 6764096), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Valeo Financial Advisors manage?
Valeo Financial Advisors reports Over $5B in assets under management.
How do I contact Garrett Chmiola?
Through Garrett's website, valeofinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Valeo Financial Advisors website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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