Overview...
Wealth management typically includes financial planning, investment management, tax planning, risk analysis, and estate planning. Alpine Financial Advisers, LLC is qualified to provide in-depth financial planning and investment management services. Because we focus our efforts on the planning and investment aspect of wealth advisory, we refer the execution of risk management, tax preparation, tax planning, and estate planning aspects to insurance representatives, accountants and attorneys based upon your needs. Whether you have a professional to advise you regarding risk management, tax issues and estate planning strategies, or we provide you with a referral, we will make every effort to work with your other professionals to optimize your wealth management strategy.
Financial Planning & Investment Management...A Dynamic Process...
Financial planning and investment management are not a static one-and-done experience. As your life evolves the complexity, responsibility, and need for flexibility requires that your financial plan and investment strategy be periodically reviewed and updated. We take a proactive approach to advising you by encouraging consultation when anticipated or unanticipated events that occur in your life.
The First Step...Are We a Good Fit For Each Other???
This introductory meeting is conducted at no cost to you, and provides both of us with an opportunity to get to know each other. Questions such as why you believe you need an adviser, what concerns and goals you may have, and what you hope to accomplish from our relationship will be explored. We certainly want you, the client to understand our organization, our background and experience and answer any questions you may have about the financial planning process and how we can be of assistance to you. We will want to get to know you, learn more about your current situation, both personal and financial, and gain a better understanding of your hopes and your dreams.
The Second Step, Discovery, Goal Setting, Risk Attributes, Needs, Wants, Wishes...
Once you have decided to engage our services, the goal setting and data gathering step begins. Our goals-based approach to financial planning is incorporated into software that allows you to complete this very important step in the comfort of your home or your office. This web-based software has an intuitive and interactive feature that gathers the necessary data using a format that is easy to understand and follow. A major advantage of this collaborative planning feature is it allows you to provide financial and personal information without having to gather it all up and bring it to my office. We will both be able to work on the plan at the same time, via secure internet protocol while discussing issues and answering questions via phone. Of course, if you feel more comfortable we can accomplish the same from my office, it is entirely up to you!
The Third Step, Analyzing the Data and Evaluating Goal Achievement...
The objective of this step in the process will be to recap all of the data that you have provided including your past experiences with investing, your attitudes regarding risk, and any other special or unique circumstances that need to be accounted for. We will review and compare your current investment and savings strategy with alternative strategies. We will examine your ability to achieve the goals you have identified as your needs, want, wishes and the degree of importance you have assigned to them. Ideally, you will decide on a strategy that best meets your abilities and objectives and the result will be the development of a formal financial plan.
The Fourth Step, Creation of an Investment Policy Statement...
The Investment Policy Statement (IPS) provides a long-term plan and becomes the basis for making investment decisions over time. There are several components to the IPS. These may include but are not limited to; account information, amount and type of assets, investment time horizon, return objective, risk tolerance, allowable assets, liquidity needs, advisers investment philosophy, and any other unique requirements.
The Fifth Step, Implementation of Your Plan...
Simply we take your plan and put it into action. From the investment perspective we will set up any necessary accounts and reallocate assets as needed. We will present you with a formal copy of both your financial plan and an investment policy statement.
The Sixth Step, The Ongoing Monitoring and Managing of Portfolio Assets Given Evolving Economic and Market Risk...
A strict buy and hold strategy is not prudent given cyclical nature of economies, and the inefficiencies and ever changing risk profile of the capital markets. We will manage your investment risk based on economic, geopolitical and market data. In addition as your life circumstances change, this may also require a change your financial plan and/or the investment policy statement.
