Our Services
you are not alone
Explore Alpine’s Wealth Management Services
As fiduciaries, the Alpine team serves your interests first. It’s the highest level of client care in the industry, and it ensures that we provide options and advice that are best for your financial well-being, making your life easier and more worry-free. We accomplish this by:
SERVING
as your advocate for all financial matters
EXPLORING
your specific situation, needs, and goals
WORKING
collaboratively to create a plan and set expectations
MONITORING
progress regularly to identify areas for improvement
What We Do for Our Clients
Individuals and families who have accumulated significant wealth encounter a variety of unique and often complex needs. They must have advisors with the experience to understand those needs and, perhaps more importantly, to uncover the conditions that clients did not even realize needed to be addressed.
Financial Analysis of Needs, Goals, and History
Determine your investment objectives, risk tolerance, and investment horizon
Investment Strategy and Management
- Integrate your family’s vision with our investment strategy and investment plan
- Portfolio assessment and asset allocation
- Economic and market research
- Due diligence
Integrated Financial Solutions
- Retirement planning
- Educational savings analysis
- Balance sheet analysis
- Evaluation of insurance needs
- Loans, mortgage, and outside investments analysis
- Cash flow analysis
- Day-to-day financial needs
Client Reviews and Performance Reporting
- Annual client reviews
- Robust investment and custom-tailored performance reports
- Monthly and quarterly investment reports (dependent upon your needs)
- Family planning meetings, including all partners of the estate planning team
Estate, Legacy, and Wealth Succession Planning
- Development of objectives
- Multi-generational snapshot of long-term strategies
- Action plan to implement changes made to the estate plan
- Coordinated professional partnerships
- Beneficiary education and mentoring
Family Continuity and Client Education
- Family education plan
- Family governance
- Family meeting coordination
- Coaching and mentoring
Philanthropy
- Philanthropic planning and strategy development
- Facilitate donations and grants
- Summarize yearly giving
How is the Alpine approach different?
Wealth Structuring
We recognize that families and individuals have multiple critical considerations regarding their assets. We carefully evaluate each principle and execute appropriate strategies and tactics to ensure that assets are properly structured.
Allocation
At Alpine, the traditional 60/40 asset allocation model is dated and flawed for the discerning investor.
We take a practical approach that includes a fixed-income liquidity bucket to provide cash flow when the market is down and avoid the need to sell equities at depressed prices.
Location
Asset location compartmentalizes an investor’s wealth, placing it in accounts where it can most benefit from tax-advantaged account structures.
This strategy seeks to optimize long-term returns by minimizing the wealth-eroding aspect of taxes on a portfolio.
Protection
Asset protection provides the structure to shield an estate from creditors while protecting overall assets through insurance and tax strategies to minimize taxes on an estate.
Proper structure can include Irrevocable Trusts, Credit Shelter Trusts, and IRAs. Insurance may consist of property and casualty, liability, life, and today, cyber insurance. Tax strategies and estate plans are also critical to protecting assets.
Who we serve
The Alpine team is uniquely positioned to serve clients whose life circumstances and goals fall into one of the following categories:
Emerging Wealth
Individuals who are high earners or business owners building their wealth
Strategic Wealth
Individuals and families with significant wealth who seek to protect and grow what they’ve built
Family Office
Wealthy families who seek an advocate and curator to manage their complex financial situation and protect the integrity of the family’s legacy