Downtown Kalamazoo skyline over the Arcadia Creek bridge

Valley Oak · A Fractional Family Office · Kalamazoo, Michigan

We started as a CPA firm.
Our clients asked for more.

Twenty-plus years alongside business owners taught us something: the numbers on a return are the result of decisions made all year long — long before anyone opens a tax form. Proactive planning is what changes the outcome. So we built the firm we wished existed: tax, investments, and education, planned together.

FIND YOUR DOOR ↓ READ OUR STORY

for the business owner —

Keep more of what you build.

Valley Oak Financial — tax preparation, bookkeeping, payroll and quarterly estimates, anchored by a proactive annual tax projection every fourth quarter.

ENTER FINANCIAL

for families who want it all coordinated —

One plan for everything you own.

Valley Oak Investments — planning first. Forecasting, estate & wealth strategy and family-office coordination, with your CPA at the table.

ENTER INVESTMENTS

for the curious —

Understand your money.

Valley Oak Academy — courses & training that teach the strategies we use every day, in plain English.

ENTER ACADEMY

How the suite fits together

Planning leads. Compliance follows.

We're not a drop-off tax shop. Clients engage in long-term planning first — whether or not we manage a dollar of their investments — and the compliance work is built on top of that plan.

First

Discovery

Data collection, present position, forecast — and the opportunities hiding in your situation.
Then

Planning

The Tax Blueprint, then foundational or full-service planning — the level your situation requires.
On top

Compliance

Tax prep, bookkeeping, payroll and quarterly estimates — added to a plan that's already in motion.

The evolution

From tax season to every season.

Founded in 2006 by Matt Rzepka in Kalamazoo, Michigan. Today Valley Oak is a suite of companies serving business owners and families across the country — with the team from Campbell Tersolo & Clyman now part of the family.

2006: Valley Oak founded as a specialized CPA & tax planning firm.
2010s: Wealth planning & investment advisory grow alongside the tax practice.
2020: Preferred CPAs joins Valley Oak.
2024: Campbell Tersolo & Clyman joins Valley Oak.
2026: Valley Oak Academy launches to open our playbook.
Today: A fractional family office under one roof: Financial · Investments · Academy.

"The power of a dollar is best utilized in the hands of the person who earned it."

01

Planning-first, fee-transparent. Advice is the product. We take no commissions, and where an engagement includes a performance- or success-based fee, it's quoted and agreed in writing up front — never a surprise, never a reason to bend our judgment.
02

One team, three disciplines. Your CPA, your wealth strategist, and your education platform share a hallway — and a plan.
03

Relationships for generations. Our standard: deliver more value than we charge in fees — and let the math prove it. We measure in decades, not quarters.