John E. Chapman Chief Executive Officer
Prior to joining Clearwater Capital Partners, Valerie held leadership roles at National Christian Foundation Chicago, where she served as Relationship Manager and later co-Managing Partner. She also co-founded Orchard Ministry Development and continues to serve on its Board, providing strategic guidance on non-cash and legacy giving.
Valerie’s commitment to stewardship extends beyond her advisory work. Alongside her mother, Miriam Neff, founder of Widow Connection, she co-authored a book and co-hosts a nationally syndicated radio feature focused on fraud prevention, budgeting, and financial literacy.
She earned a Bachelor of Science in Biology with a minor in Chemistry from Liberty University and a Juris Doctor from Concord Law School at Purdue University. She also completed the CERTIFIED FINANCIAL PLANNER® education program through Northwestern University. Her early career includes work with the Christian Law Association, and she has been actively involved in financial stewardship education since 2000, leading programs through organizations such as Crown Financial and Financial Peace University.
Valerie resides in Long Grove, Illinois, with her husband Mark. She is a proud mother of three grown children and two grandchildren. Outside of her professional life, she enjoys snorkeling, scuba diving, traveling, reading, and spending time with family and friends.
