Last updated October 8, 2026. This page contains the full disclosures for content published by David Berkowitz under the Berk on Value brand across YouTube, this blog, LinkedIn, and other channels.
Who provides advisory services
All advisory services are offered through Savvy Advisors, Inc. (“Savvy Advisors”), an investment advisor registered with the Securities and Exchange Commission (“SEC”). Savvy Wealth Inc. (“Savvy Wealth”) is a technology company and the parent company of Savvy Advisors. Savvy Wealth and Savvy Advisors are often collectively referred to as “Savvy”.
David L Berkowitz is an investment advisor representative registered with Savvy Advisors, Inc. (“Savvy”). All investment advisory services offered by David L Berkowitz are offered through Savvy. ValueAligned Partners, LLC (also doing business as VAP Wealth Advisors) is an independent marketing brand name used by David L Berkowitz for advertising and marketing purposes only. ValueAligned Partners, LLC and Savvy are not related or affiliated. For more information about Savvy, please visit our website.
About this content
This content is produced by David Berkowitz under ValueAligned Partners, LLC, DBA VAP Wealth Advisors (“VAP Wealth Advisors”), an independent marketing brand, and is provided for general educational and informational purposes only. It is not, and should not be construed as, personalized investment, legal, tax, or accounting advice, nor an offer or solicitation to buy or sell any security.
No advisory relationship. Viewing, reading, or interacting with this content does not create an investment-adviser, attorney-client, or accountant-client relationship. Investment advisory services are offered only through a written agreement with Savvy. Additional information is available in Savvy Advisors’ Form ADV Part 2A and Form CRS at adviserinfo.sec.gov.
Not legal or estate-planning advice
David Berkowitz is not an attorney, and VAP Wealth Advisors does not practice law, draft legal documents, or provide legal opinions. Any discussion of wills, trusts, powers of attorney, beneficiary designations, or other estate-planning topics is general education only. You should consult a licensed attorney in your state before drafting, signing, or relying on any estate-planning document.
Not tax or accounting advice
David Berkowitz is not a CPA or Enrolled Agent, and VAP Wealth Advisors does not prepare tax returns or provide tax-return preparation services. Any discussion of tax topics is general education intended to help you understand tax-planning concepts and coordinate with your CPA or tax preparer. You should consult a qualified tax professional regarding your specific situation before acting on anything discussed here.
No guarantees; investment risk
All investing involves risk, including possible loss of principal. Past performance is not indicative of, and does not guarantee, future results. Forward-looking statements are opinions as of the date recorded and are subject to change without notice.
Historical figures
These figures are based on historical market data over the periods studied and are provided for educational purposes only. Past performance does not guarantee future results.
Sources and third-party content
Links, tickers, and third-party materials are provided for convenience and do not constitute an endorsement. VAP Wealth Advisors is not responsible for the content of third-party sites.
Positions
David Berkowitz, his clients, employees, and family may own the stocks mentioned in this content. He is under no obligation to update the content or to disclose any future purchases or sales of those stocks.
AI-generated presenter and AI assistance
The presenter in videos on this site may be an AI-generated avatar of David Berkowitz. This content was created with the assistance of third-party artificial intelligence and was reviewed and approved by David Berkowitz prior to publication.
Contact
VAP Wealth Advisors, 125 Half Mile Rd, Suite 200, Red Bank, NJ 07701. (732) 800-2375. david@valuealigned.com
