Last updated July 12, 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.
General
This content is produced by David Berkowitz of ValueAligned Partners LLC, doing business as VAP Wealth Advisors (“VAP Wealth Advisors”), 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 VAP Wealth Advisors, an investment adviser affiliated with Savvy Advisors, Inc. 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.
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.
Estate planning
Not legal advice. David Berkowitz is not a licensed attorney. VAP Wealth Advisors does not practice law and does not draft or execute wills, trusts, powers of attorney, healthcare directives, beneficiary-designation forms, or any other legal documents. Any discussion of estate-planning topics — including trusts, probate, gifting, step-up in basis, or asset titling — is general education intended to help you understand your options and prepare to work with a licensed estate-planning attorney in your state. You should consult a licensed attorney before drafting, signing, funding, or relying on any estate-planning document.
Tax
Not tax advice. David Berkowitz is not a Certified Public Accountant (CPA) or Enrolled Agent (EA). VAP Wealth Advisors does not prepare tax returns and does not provide tax-return preparation, tax-representation, or tax-opinion services. Any discussion of tax topics — including Roth conversions, tax-loss harvesting, required minimum distributions, capital gains, estate and gift tax, state tax (including New Jersey), or charitable strategies — is general planning education intended to help you understand concepts and coordinate with your own tax professional. Consult your CPA, Enrolled Agent, or other qualified tax preparer regarding your specific situation before acting on anything discussed.
Specific securities and holdings
References to specific securities are for illustration and education only and are not a recommendation to buy, sell, or hold any security. David Berkowitz, his clients, employees, and family may own the stocks mentioned in any content, and those positions may change at any time without notice. He is under no obligation to update the content or to disclose any future purchases or sales of those stocks. Individual holdings depend on each client’s objectives, risk tolerance, tax situation, and time horizon. Consult your own adviser regarding suitability for you.
Portfolio and model performance
Any performance information relating to the ValueAligned Portfolio (VAP) or any model portfolio is presented net or gross of fees as specifically labeled and reflects the reinvestment of dividends and other earnings. Performance is historical and does not guarantee future results. Model performance has inherent limitations and does not reflect actual trading, liquidity constraints, or the impact of material market or economic conditions on decision-making. Individual client results will vary based on the timing of contributions and withdrawals, fees, taxes, and other factors. Not all clients hold every position in the model.
AI avatar
Heads up: I make this content free so you never have to pay for the ideas in it. The presenter you see is an AI-generated avatar of me, David Berkowitz, produced with HeyGen. I write and approve every script, and I personally read and reply to the comments, so ask me anything below. This video is general education, not personalized investment, legal, or tax advice, and nothing here creates an advisory relationship. VAP Wealth Advisors is the trade name of ValueAligned Partners LLC, doing business as VAP Wealth Advisors, an investment adviser affiliated with Savvy Advisors, Inc.
Entity and contact
VAP Wealth Advisors is the trade name of ValueAligned Partners LLC, doing business as VAP Wealth Advisors, an investment adviser affiliated with Savvy Advisors, Inc. Office: 125 Half Mile Rd, Suite 200, Red Bank, NJ 07701. Phone: (732) 800-2375. Email: david@valuealigned.com. Savvy Advisors’ Form ADV Part 2A and Form CRS are available at adviserinfo.sec.gov.
