Alluvial Wealth Management

Alluvial serves individual investors as well as a range of institutional clients including pension and profit-sharing plans, trusts, estates, charitable organizations and business entities. The firm provides fee-based investment advisory and financial planning services and offers pension consulting that includes plan evaluations, investment policy development, implementation recommendations, and assistance with participant education.

The firm typically manages client assets on a discretionary basis and follows a tactical allocation approach intended to reduce risk and pursue improved performance, using fundamental, technical and cyclical analysis where appropriate. It employs a broad set of instruments — including exchange-listed equities, mutual funds, fixed income and cash positions — and may adjust sector weightings, recommend specific stocks, or use cash as a hedge to align portfolios with client objectives.

Notable for a small advisory firm, Alluvial discloses an affiliation with an accounting firm owned by its principal and the principal’s ability to provide tax, accounting and insurance services under separate engagements; those relationships and the receipt of separate compensation are disclosed as potential conflicts of interest. The firm’s active pension consulting and explicit work with institutional retirement plans is less common among peers of similar size and is highlighted alongside its roughly $1.8 million in assets under management.