Valhalla Business Advisors, LLC (“Valhalla”) is a licensed insurance broker.  Valhalla is committed to providing clients with services based upon transparent and fair compensation arrangements.  Valhalla earns commissions and fees from clients based upon fee-arrangements with clients and/or commissions earned from insurers or vendors based upon authorized representation by Valhalla to the respective insurer or vendor.

Valhalla endeavors to treat all clients based on principles of professionalism, transparency, and independence;  In other words, Valhalla endeavors to treat all clients as a fiduciary in the sense that it intends to put client interests above all else in its representation of clients.  Note that this is not intended to confuse specific uses of the term “fiduciary” in the context of ERISA, as Valhalla does not have discretion over plan operations, nor any SEC definition, as Valhalla does not advise clients about or provide brokerage services for registered securities.

Valhalla will provide certain clients with a fee-agreement (“Valhalla Independent Advisor Agreement”) which explicitly acknowledges Valhalla’s role as an advisor who is unbiased by irreconcilable conflicts-of-interest arising from various insurer or vendor incentives, such as contingent and supplemental commissions and fees.  Clients eligible for such fee-agreements vary;  Typically, clients with more than 100 enrolled employees are eligible for the Valhalla Independent Advisor Agreement.

NOTE THAT VALHALLA HAS ESTABLISHED A POLICY WHEREBY ANY SUPPLEMENTAL AND CONTINGENT COMMISSIONS APPROPRIATELY RECEIVED DUE TO A LACK OF AN EXECUTED INDEPENDENT ADVISOR AGREEMENT WILL BE DONATED TO A QUALIFIED CHARITY BENEFITING COMMUNITIES IN THE OPERATING FOOTPRINT OF THE COMPANY.