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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 Philosophy 

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.

Business Tax Planning & Preparation

Income Tax Planning & Preparation

Bookkeeping Services

Payroll Services

Life Insurance Planning

Estate Planning

Financial Forecasting

Asset Accumulation Planning

Asset Distribution Planning

Business Succession And Exit Strategy Planning

Legacy Planning

Education & Training


Learn more about our amazing team of professionals.

Matt Rzepka, CPA, CFP®

Matt Rzepka, CPA, CFP®

Chief Wealth Strategist

Rose Riemens-Birdsall

Rose Riemens-Birdsall

Office Administrator - Kalamazoo

Matt O'Neill

Matt O'Neill

Financial Paraplanner

Alicia  Kovach

Alicia Kovach

Director of Operations

Ashley  Lucik, CPA, MSA

Ashley Lucik, CPA, MSA

Senior Accountant

William  Watts

William Watts

Tax Accountant

Candice Fritz

Candice Fritz

Administrative Director

Myles Sakshaug, CPA

Myles Sakshaug, CPA

Senior Accountant

Stephanie  Elliott

Stephanie Elliott

Senior Accountant

Angie Feldt

Angie Feldt

Payroll Specialist

Tonya McNulty

Tonya McNulty

Accounting Specialist

Eva Jones


Karen Wittum

Office Administrator - Charlotte

Lauri Brown

Office Administrator - Hastings

Sherilyn Gann, CPA, MBA

Sherilyn Gann, CPA, MBA

Senior Tax 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.