Jeff de Valdivia

CFP®, CFA
Personal Finance, Retirement, Investing
81%
Helpful
11
Answers
3
Articles
6
Followers
“As an Investment Advisor and Founder of Fleurus Investment Advisory, LLC, Jeff de Valdivia provides clients with financial planning and investment management services.”
Firm:

Fleurus Investment Advisory, LLC

Job Title:

Founder

Biography:

Jeff de Valdivia, CFA, CFP®, founded Fleurus Investment Advisory, LLC at the beginning of 2014 with the objective of transferring institutional investment management processes to the wealth management sector. He was a portfolio manager for the endowment of the University of Wisconsin from 2011 to 2013.

Prior to joining the University of Wisconsin Foundation in 2011, Jeff was Deputy CEO of Amundi IS, the US subsidiary of Amundi SA, a large European asset management firm and a joint venture of the Société Générale and Crédit Agricole Groups. While there, Mr. de Valdivia ran their New York-based fund of hedge fund business from 2007 to 2010.

Earlier in his career, he held several positions of increasing responsibilities within the capital markets division of the Crédit Agricole Group in New York and Chicago over a period of close to twenty years.

In 2000, Mr. de Valdivia was awarded the Chartered Financial Analyst (CFA) designation. In December 2014, he was awarded the Certified Financial Planner (CFP®) designation. Mr. de Valdivia received an MBA in Finance and International Business from the University of Wisconsin. He is a native French speaker.

Education:

MBA, Finance, University of Wisconsin-Madison
BBA, SKEMA Business School

Assets Under Management:

$15 million

Fee Structure:

Fee-only investment advisor

CRD Number:

1895346

All Articles
Sort By:
Most Helpful
February 2017
    Annuities, Retirement Plans, Retirement Savings
February 2017
    Investing, Personal Finance
June 2018

All Answers
Sort By:
Most Helpful
    Investing, Real Estate
I've come into a large amount of money. Should I invest it or pay off my mortgage?
72% of people found this answer helpful

There is no obvious answer. It all depends on your specific situation and your tolerance for investment risk.

From a pure economics standpoint, if you think that the after-tax return that you expect to earn from investing your new sum of money is higher than the after tax cost of the mortgage, then it makes sense to invest the funds rather than to pay off the mortgage. That's the theory.

In practice,you should consider where you stand on the financial life cycle. No matter what the economics, if you are close to retiring, getting rid of your debts should be a higher priority than if you are in your thirties for example. Additionally, managing funds requires investment skills and temperament that many people do not have. You also need a bit of luck. Going back in time a bit, if you were asking this question in November 2007 and had decided to invest, no matter what your level of investment skills, you would have quickly regretted not paying off the mortgage.

There is a risk with investing the funds that you do not incur by paying off the mortgage. Your level of risk tolerance matters. I hope this helps.

February 2017
    Financial Planning, Retirement Plans
How do we determine the withdrawal and return rates on our retirement accounts?
25% of people found this answer helpful
April 2017
    Investing, Asset Allocation, Bonds / Fixed Income
Is there a place for junk bonds in my portfolio?
14% of people found this answer helpful
July 2017
    Banking, Personal Finance, Stocks
Should I be concerned with potential deregulations of the banking industry?
14% of people found this answer helpful
February 2017
    Investing, International / Global, Stocks
How much should I have allocated in international equities?
14% of people found this answer helpful
April 2017