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We believe in building lifelong client relationships and creating raving fans. Our clients pay lower taxes with our proven, custom strategies for all stages of business and life.


About VO

Founded in 2006 by Matt & Amber Rzepka, Valley Oak is a specialized financial services firm that offers a variety of solutions to help small business owners maximize the full value of their business and to always plan for the future.

Our Team

We believe our team is our strongest asset in delivering the best service to our clients. Click here to meet the friendly faces of Valley Oak.

Our Philiosphy

We believe that the power of a dollar is best utilized in the hands of the business owner and we work with our clients to help them determine how best the tax code can serve them and their businesses.

Have a question? Let us know.




We offer a broad range of services to help your family and your business plan for the future in an effort to make sure you are maximizing your full financial potential.

Income Tax Planning and Preparation

Life Insurance Planning

Asset Accumulation Planning

Estate Planning

Asset Distribution Planning

Business Succession And Exit Strategy Planning

Legacy Planning

Estate Planning


Learn more about our amazing team of professionals.

Matt Rzepka

Matt Rzepka

Owner - Chief Wealth Strategist

Matt Miller

Matt Miller

Managing CPA

Rose Riemens-Birdsall

Rose Riemens-Birdsall

Office Administrator

Matt O'Neill

Matt O'Neill

Financial Paraplanner

Alicia  Kovach

Alicia Kovach

Director of Client Relationships

William  Watts

William Watts

Staff Accountant

Amber Ketchum

Amber Ketchum

Staff Accountant

Ashley  Lucik

Ashley Lucik

Staff Accountant

Download Our Tax Reform Ebook!

There's a lot of confusion around the new Tax Reform and Jobs Act. Luckily, we're here to help. This Ebook will tell you everything you need to know about the biggest tax overhaul in 30 years.

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