Alpine Financial Advisers, LLC recommends that clients utilize a comprehensive framework when evaluating their wealth management needs.  All aspects of the wealth management process including financial planning, investment portfolio design, tax planning, financial accounting, and estate planning, are components that should be evaluated when constructing or revising a client's wealth management strategy.  Coordination of these functions will maximize the ability of the client to achieve financial goals and gain the security to live a comfortable life.  Alpine Financial Advisers, LLC offers expertise in the financial planning and investment portfolio design aspects of the wealth management process.

Alpine Financial Advisers, LLC believes that:

• Clients must involve themselves in the financial planning process; understanding and setting their own goals.  
• Clear and realistic expectations are necessary in order to design a strategy that has a high probability for achieving success.
• Investment portfolios should be designed to maximize total returns with consideration given to tax efficiency and cash flow needs.
• The risk profile of the wealth management strategy is a function of several variables including risk tolerance, the age of the client and other participants, previous financial advisory experience, time horizons, and goals.
• The goal-based method of financial planning provides the most intuitive, realistic, and efficient method of identifying and quantifying the financial goals.

The basis for our investment philosophy...

The investment philosophy of Alpine Financial Advisers, LLC is based on Modern Portfolio Theory (MPT) , which was derived more than a half of a century ago by Harry Markowitz.  This theory suggests, and studies have proven, that a significant majority of an investment portfolio returns are driven by asset allocation and diversification.  Each client portfolio is invested across a variety of asset classes in a basket of securities that reflect the unique risk tolerance, time horizon, tax status, and investment objectives of the client. We actively monitor all portfolios and effect changes as warranted by market opportunities or changes in the client’s situation.  We recommend that client investment assets be diversified into a broad spectrum of asset classes to potentially include:

• Equity exposure of domestic and international markets in the form of small, mid and large capitalization companies.
• Fixed income exposure of domestic (municipal bonds if appropriate) and international markets in the form of primarily investment grade credits of short to medium maturities.
• Commodities and natural resources.
• Real estate investment trusts (REITS).
• Market neutral strategies.

Portfolio risk reduction...

Alpine Financial Advisers, LLC incorporates a tactical strategy of mitigating portfolio risk by recognizing economic cycles.  These economic cycles can be the result of human emotions, regulatory mismanagement, central bank policy or geopolitical conflict.  We manage portfolio risk by monitoring macro economic events, data and trends.  We analyze this information and determine if risk is being fairly or unfairly discounted by financial markets.  We then will adjust client portfolios by increasing or decreasing exposure to various assets and asset classes.  History is a useful point of reference when analyzing alternative courses of action for wealth building strategies.  However, the influence of new technologies, evolving cultures and economies necessitate that strategic planning integrate new methods of managing portfolio risk and return.

Long term investment horizons...

Alpine Financial Advisers, LLC recommends that clients realize and understand the use of time as a diversification element to their investment portfolios.  The relative risk of specific asset classes due to the volatility of returns is reduced when longer investment time horizons are used.  Because economic and financial cycles are an inherent risk when planning financial goals, long term investment horizons are appropriate to realize expected returns.   For our clients with shorter time horizons we reduce the risk of capital losses by emphasizing assets with shorter maturities, higher quality, and greater liquidity.

Allocation of Client Assets...

Alpine Financial Advisers, LLC believes that professional money managers can generate superior returns in market sectors such as international equity markets.  There is an enormous investment in financial resources and time required to consistently provide benchmark-beating returns in these foreign markets.  If a particular client strategy requires specific security selection in domestic stock and bond markets, we will utilize several research resources that allow us to choose individual securities.  If we believe we can acquire exposure to certain domestic sectors more efficiently through the use of ETF's (exchange traded funds) we will allocate client assets to these securities. 

Our objective is to mitigate the loss of capital in adverse markets, while generating positive returns in favorable markets that will help clients achieve their wealth goals.  Stated another way: we will focus on the return of invested capital as well as the return on invested capital.  Capital markets contain inefficiencies, economies are prone to cycles, and geopolitical risk is certain.  This is why we believe a strict buy and hold strategy results in unnecessary capital losses.

Do one thing and do it well...                                                                                                

We believe that today's complex and fast-moving world demands specialization from your team of advisers in order to bring true added-value to your life.  We do not provide to our clients:  financial accounting, insurance products, tax preparation, or comprehensive estate planning.  We have found that these additional facets of a comprehensive wealth plan are highly complex and require a significant commitment of resources and detract from our ability to do what we do best -  provide financial planning and investment management services.