Committed To Guarding

First Responder and Federal Workers Retirements.

Motivated by Integrity and Service; we are your Partner’s in Commonwealth.

Our Mission

Valor Commonwealth, equips the first responder and Federal Law Enforcement community with the tools and knowledge to make decisions based on education as opposed to emotion.

Standing as an unbiased pillar of decisions in commonwealth, we give genuine counsel throughout your journey to assist in building the retirement that you would like to have, after the adrenaline rush is gone.

Defined by empathy and a profound respect for the demanding career roles of our clients, Valor Commonwealth recognizes the critical need for retirement and estate planning focused on security and the cultivation of wealth.

Our mission is to enrich peace of mind, family legacy and contribute to the greater good of the first responder community.

Safe Money Mindset

Three Worlds of Money

What is it?
THE Mindset
Potential
Protection
hybrid

The Safe Money Mindset™ is our guiding philosophy built to shield your future from uncertainty while still creating space for smart, sustainable growth. By leading with protection, we help you confidently navigate market ups and downs, safeguard your legacy, and secure the future you’ve worked so hard to build.

Go To Safe Money Mindset

At Quest Commonwealth, we use the Three Worlds of Money investment philosophy to create a structured, protection-led plan that balances safety with opportunity.

Potential – Reserved for carefully calculated growth opportunities.
Protection – The heart of your strategy, focused on preserving your principal and ensuring stability.
Hybrid – A blended approach that provides security while capturing moderate growth.

By putting protection at the center of your financial world, we help you:

Shield your assets from unnecessary risk
Preserve your wealth through market cycles
Build guaranteed income you can count on
Take advantage of growth opportunities safely
Create a lasting legacy with confidence

This is how we build financial strategies that put your security first—so you can enjoy a future without fearing the unknown.

Legacy Planning

We understand the critical importance of legacy planning for first responders, given the high-risk nature of their daily work.

Legacy planning ensures financial security for future generations and acknowledges the sacrifices made by these brave individuals.

That's why Valor makes it a priority and proudly offers specialized legacy planning services at reduced rates compared to market standards. Join us in securing your legacy and ensuring a stable future for you and your loved ones.

Founders Story & Guiding Principles

Born and raised in the heart of Gladwin, Michigan, Joe’s journey embodies the spirit of resilience and dedication ingrained in the fabric of his community. From his early days working as an electrician in the family business while pursuing higher education to his distinguished career as a Michigan State Police Trooper, Joe's path has been marked by unwavering commitment and a steadfast determination to serve others.

Joe's pursuit of knowledge led him to Mid Michigan Community College, where he embarked on a dual journey, studying both business and law enforcement. This was up until he was accepted into the 119th Trooper Recruit School, prompting him to answer the noble call of duty.

In December of 2020, Joe's journey took an unexpected turn when he was involved in a duty-related traffic crash that left him with injuries preventing the continuance of service in law enforcement. Unwavering to his determined nature, Joe saw this as an opportunity for a new beginning rather than an end.

Turning adversity into opportunity, he embarked on a new chapter, transitioning his passion for service and commitment to excellence into the world of financial and estate planning. Drawing from his experiences in law enforcement, Joe founded Valor, a beacon of integrity and expertise dedicated to serving those who serve our communities.

Guiding Principles

Integrity

We are committed to upholding the highest standards of honesty, transparency, and ethical behavior. Doing the right thing for the right reason is at the core of everything we do. We translate this commitment into action by always prioritizing the best interests of our clients.

Success Through Service

Our success is not solely measured by financial gains but by the fulfillment of our clients' long-term goals and aspirations. We are dedicated to building a commonwealth retirement that exceeds expectations, empowering our clients to achieve their dreams and enjoy a prosperous future.

Strategic Planning

We believe in the power of careful planning and preparation. By meticulously crafting personalized strategies, we aim to safeguard the financial well-being of our clients and their loved ones, ensuring a secure future even in uncertain times.

Community Engagement

With deep respect for the dedication of those who have served or are currently serving, Valor strives to actively participate in uplifting community engagement endeavors coordinated by first responders. Our goal is to shine a spotlight on the invaluable work carried out by first responders, ensuring that their unwavering commitment and sacrifices are forever honored and remembered.

Meet the Executives

Rick Williams

REtirment planner & founder

As a retired Genesee County Sheriff / Paramedic Deputy I have a unique perspective on how wealth can transform a community for the better. Whether it be through personalized financial guidance, advanced knowledge building, or community support. I remain committed to being a pillar of wealth.

Chris Williams

Financial Advisor

Jeff Perry

Chief marketing & Advisor

A decade in the U.S. Navy granted me the privilege of experiencing diverse cultures and working with individuals globally. Today, I'm passionate about leveraging this background to serve the public in the finance domain, providing tailored, one-on-one retirement solutions for my clients.

Mike Coliton

Retirement Planner