Private Family Wealth

Our experienced team helps you simplify, plan and invest to make your financial life as easy as possible.

Simplify

Does it feel like your finances are in disarray?

We organize and manage every detail of your financial life.

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Does the right hand know what the left is doing?

We bring your financial professionals together and lead the team to ensure true collaboration.

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Is there not enough time in the day?

Knowing what needs to happen with your finances, we take the lead and we get it done.

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Plan

Are you on track for the future you want?

We are constantly planning for our clients, so they always know where they stand.

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Are you paying more than your fair share of taxes?

Our in-house CPA works closely with our planners and investment managers to minimize tax exposure.

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Are you prepared for the unexpected?

We help our clients put a plan in place to deal with surprises in the future.

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Invest

Are you taking more risk with your money than you should?

We develop comprehensive investment strategies that align with our clients’ risk tolerance, time frame and return requirements.

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Do you know who is actually managing your money?

Our in-house team manages our clients’ money directly, reducing costs and increasing control.

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Is there no one at the helm?

We constantly monitor the investment landscape, looking for opportunities when available and safe harbor when necessary.

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Case Study

Mary G.’s daughters approached us with boxes and boxes of files that their mother could no longer manage. They, too, were overwhelmed. Our team worked tirelessly to sort every paper, from bank statements to stock certificates, insurance policies to estate documents. We consolidated 14 accounts into 2, verified insurance policies, and named beneficiaries according to Mary’s stated wishes. Every detail was put in place, and every dollar accounted for. Mary passed away less than two years later, but her family was positioned for a seamless and easy transition of her estate.

*This is a case study and is not indicative of future performance. Your experience may vary.

Case Study

A client came into a significant amount of new money and was unclear of exactly what they needed to do and how it would impact their goals. Working proactively, we identified the need to update their estate plans, and during that process discovered that the client had a strong desire to give away as much money as they possibly could. Our planning staff worked with the estate attorney and the CPA to determine how much they could give in light of their other goals. We also identified the most tax efficient way to establish a legacy of philanthropy and to safeguard distributions to the children. We continue to manage the client’s charitable funds and to advise on the children’s finances.

*This is a case study and is not indicative of future performance. Your experience may vary.

Case Study

Extremely busy with their family and career, an executive couple came to us not knowing where they stood in relation to their goals. How could they best exercise their stock options and diversify their net worth away from company stock? Together with their CPA, we determined the optimal amount of company stock to diversify so that they could accomplish their financial goals regardless of that stock’s performance. We continue to monitor the stock’s value, notify them when action needs to be taken, and provide ongoing planning so they always know where they stand in light of their goals.

*This is a case study and is not indicative of future performance. Your experience may vary.

Financial Planning

Financial Planning is central to our task. From the outset, we work closely with the client to develop a detailed and proactive financial plan that reflects their unique circumstances and goals. We take the lead and keep the client informed until every action item is complete. Their plan is updated at least once a year, but often more times than that. We encourage our clients to contact us at any time with new information or with questions. Can they buy a second home, a boat, or a piece of property and stay on track toward their goals? Constant communication and unwavering attention to planning let our clients know where they stand even as their goals or circumstances change.

We're On Your Team

As a team, we are always looking for ways to reduce tax liability. For instance, many of our clients have high balance IRA accounts that reflect years of tax deferred savings and growth. We design investment and withdrawal strategies that maximize Roth conversions prior to age 72 in order to reduce long term tax liability. This means carefully managing all taxable income in light of Federal tax brackets and the lesser known Medicare Income Related Monthly Adjustment. By diligently implementing the strategy above we have been able to help clients reduce Required Minimum Distributions as well as their income tax liability and Medicare surcharges.

Always Available To Help

A family that had been clients for a long time faced a very difficult situation with a premature passing, leaving the surviving spouse and children in need of immediate and comprehensive guidance. Knowing their situation as well as we did, we were able to step in and help manage all aspects of the family’s financial life. Our team worked hand in hand with the client to access employer benefits including life insurance proceeds, health insurance, and the transfer of retirement assets. We attended all meetings with attorneys and accountants regarding the estate and taxes on the transfer of assets both domestic and foreign. We continue to work with the family, having developed an entirely new financial plan that reflects their current circumstances.

*This is a case study and is not indicative of future performance. Your experience may vary.

Defining Risk

When we meet with prospective clients, we often find that they are invested far more aggressively than they realize or should be. This puts them in a dangerous position where a decline in the markets could severely hamper their ability to achieve their financial goals. Through detailed conversations we uncover their true tolerance for risk. Through examining their goals we gain a better understanding of their time frame. Through planning we calculate the return they need. We then marry these three data points to identify an investment strategy that is uniquely appropriate for them.

Real Management

In today’s wealth management world, the goal of many firms is to gather as many assets as possible. To free up time to accomplish this they often outsource money management to a third party. When this happens, transparency vanishes, the client loses control and costs increase. At Alliance Private Wealth, we are more concerned about ensuring that each client’s portfolio is positioned correctly based on their risk tolerance, time frame and required return. We also focus on tax and fee mitigation. We can give our clients this attention because we have an experienced team that manages their money in house. On an account-by-account basis, we determine what to buy, hold and sell and cover the trading costs to minimize client expenses. We are less concerned about gathering new assets and more concerned about investing the existing ones as efficiently and effectively as possible.

Always on the Pulse

On many occasions we meet with people who are investing their money themselves but find that they don’t have enough time in the day to do it effectively. Others are using advisors but feel that their buy and hold strategy has been taken to the extreme. They are frustrated by a lack of communication and feel that their advisors are simply not being proactive. In today’s investment landscape action is a necessity, not an option. At Alliance Private Wealth, we communicate with our clients regularly, keep our finger on the pulse of the market and take action to adjust portfolios accordingly.