"Wealth is the ability to fully experience life"
Henry David Thoreau

Most people associate wealth with the accumulation of money, investments, savings or "things".  However one derivative of the word wealth is from  the English words "weal" (meaning well being), and "th" (a condition).  When these are combined the translation is "the condition of well-being". 
Wealth really is  the ability to have the freedom to make choices in life.  True wealth encompasses both tangible and intangible assets.  Tangible assets are the material possessions that encompass our needs, wants, and wishes.  Intangible assets include relationships, time, and memories. 
Genuine wealth is having a balance in life - personally, professionally, spiritually, environmentally, and financially.  Alpine Financial Advisers, LLC believes that the foundation for generating financial wealth is striving for well-being by recognizing that all of these elements are necessary.  We play an important role in your well-being by advising you on financial aspects of your well-being.

Who in America is wealthy and how did they become so?

Approximately 3.5% of American households own nearly one-half of the wealth in the United States.  Although Americans are hard working, educated, and moderate to high-income earners, why are there so few that are affluent?  There are several common factors of individuals that successfully generate financial wealth.  Although in America there has never been more personal wealth than there is today, many citizens are not wealthy when factoring in their liabilities.  The following are traits of those that fall in this 3.5% of wealthy individuals.

1. Live below your means.  Interestingly the average millionaire does not look like a millionaire.  These individuals prioritize by always placing savings before consumption.  Sacrifice high consumption today for financial freedom in the future.
2. Dedicate yourself to building wealth by allocating your energy, time, and money to this goal.  Become informed through education and position yourself to continually advance in your occupation.  Plan your future by hiring competent advisers that can help you make good long term decisions.  Focus on the details of spending and how seemingly small discretionary habits detract form building wealth (the Starbucks habit).  Understand the power of compounding interest.
3. Make a commitment to financial independence rather than displays of social status.  Many truly wealthy people drive average cars, live in average neighborhoods, and are not interested in wearing the latest fashions.  These individuals understand the importance of efficiency in their professions as well as at home.  The key for consumption is the value per dollar spent.
4. Become economically independent at an early age.  Learn the necessity of budgeting and understanding that the more dollars adult children receive the less they will generally accumulate.  It is not a coincidence that approximately 80% of millionaires are first generation.  These individuals have started out with small economic resources and through hard work and frugality have accumulated wealth.
5. Find your professional niche in life.  Identify opportunities by observing those that are successful.  Financially successful people do spend money, but they spend money investing in themselves, their families, and their profession.  Education, investment advice, tax advice and real estate are priorities.  These people spend money on protecting and enhancing their wealth.

Alpine Financial Advisers, LLC can help you protect and enhance your wealth...

The accumulation of wealth requires hard work and dedication.  The enhancement  and preservation of wealth requires discipline, experience, and wisdom.  Alpine Financial Advisers, LLC's approach to wealth advising provides you with these traits to help you achieve your financial goals.  It is our objective to understand what is important to your well-being, and work with you to achieve harmony by preserving the wealth you have worked diligently to accumulate.  It will be our goal as your partner to enhance your level of wealth by efficiently managing your investment portfolio risk and return.

So that you can achieve your wealth goals...

• We accept our roles as stewards of peoples wealth with the highest level of fiduciary responsibility. 
• We understand the importance of your wealth to be managed in a prudent fashion that incorporates your goals, and is in harmony with your well being.
• We will work with your other advisers to work to achieve a plan that will optimize your wealth.