Estate planning is not only for the wealthy - everybody can benefit from ensuring their assets and finances are properly taken care of after their death.
Without the proper planning in place, your kids and your wealth may be exposed to taxes & probate fees that could be reduced or even eliminated.
Avoid a court administered guardianship and make sure your family members or trusted friends have the legal rights to carry out your wishes.
Alvin Ubaldo is a proud American immigrant from the Philippines, who has spent over 13 years in the financial services industry. As a husband and father of three sons, Alvin understands the importance of securing a stable and prosperous future for his family, which is why he is so passionate about helping others do the same.
With a strong belief in doing what is right, Alvin is a devoted Christian who strives to uphold the highest ethical standards in both his personal and professional life. He believes that integrity and transparency are the cornerstones of building lasting trust with clients. Alvin's journey into estate planning began when he was a client himself.
After seeing firsthand the impact that thorough planning had on his own family’s security, he became inspired to help others achieve that same peace of mind.
His experience has driven him to dedicate his career to helping families protect their legacies, providing them with the tools and knowledge they need to navigate the complexities of financial planning.
Kamran Zohoori is a seasoned financial strategist and the driving force behind Valoram Solutions, where he helps individuals and families protect their legacies, maximize retirement
income, and make confident financial decisions. With a deep expertise in estate planning, life insurance, 401(k) rollovers, and tax-advantaged strategies, Kamran brings a heart-centered and
transparent approach to wealth management.
Over the years, Kamran has led thousands of consultations nationwide, helping clients navigate complex financial transitions with clarity and peace of mind.
Whether guiding a client through a living trust setup, protecting assets from probate, or creating income plans that last through retirement, Kamran’s passion lies in educating and empowering people to make wise choices—before a crisis ever hits.
After surviving multiple heart attacks and open-heart surgery, Kamran's mission has only deepened: to help families prepare wisely, live freely, and leave a legacy worth more than
money.
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