Altos Financial Management, LLC

Updated today

Find your advisor

Client assets under management

$29,173,464

Clients

59% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$748,038

About

Altos Financial Management serves individual and high-net-worth clients, as well as trusts, estates, and other business entities, providing continuous discretionary portfolio management under limited trading authorizations and separate investment-related research and planning services billed on an hourly or project basis. The firm operates as a small two-advisor registered investment adviser managing roughly $31 million for about 39 clients.

The firm determines allocations using perceived risk/reward relationships and historical data over a roughly 6- to 18-month investment horizon, deploying equities, corporate and municipal debt, mutual funds and ETFs, and, where appropriate, margin. To address specific objectives such as capital preservation it may employ short-term trading tactics and inverse ETFs, while generally holding positions for both short- and long-term periods.

Operationally, Altos manages client accounts via Limited Trading Authorizations so assets remain with third‑party custodians; the firm does not take custody of client funds and does not vote client proxies. The advisory team is small and long‑tenured, with advanced academic and professional credentials, and an owner holds an insurance license though the firm does not place commissionable insurance products into managed accounts.

Client services

Portfolio management

Expertise

General tax planning Active portfolio management

Fee options

Percentage

$0 - $100,000: 1.25% $100,001 - $500,000: 1.00% $500,001 - $1,000,000: 0.75% $1,000,001+: 0.50%

Project-based

$250 per hour

Other

Minimum fee: Minimum fee for new clients is $1,250 per year Fee-only: Hourly rate of $250 per hour for services other than discretionary management

Main office location

Altos Financial Management, LLC

4100 Moorpark Ave, Ste 104

San Jose CA 95117, United States

Number of offices

Most active in

California

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 408-249-7881

Advisors at this firm

Ian H

Series 65

San Jose, CA

Altos Financial Management, LLC

Ian Hildreth is a financial advisor at Altos Financial Management, LLC with four years of industry experience. He holds a Series 65 designation and has served as Chief Technology Officer of AWPRX, a pharmacy benefits management company, since 2011. In this role, he manages software and provides business consultation. Altos Financial Management serves individual and high-net-worth clients, as well as trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities. The firm provides discretionary portfolio management using a macro-driven investment approach and offers additional investment-related research and planning services on an hourly basis.

General tax planning Active portfolio management

David H

CFA®

San Jose, CA

Altos Financial Management, LLC

David Hildreth is a CFA® charterholder with 13 years of industry experience, currently serving at Altos Financial Management, LLC since 1993. He also owns and operates an insurance brokerage focused on life, health, long-term care, disability, and fixed annuities. Altos Financial Management serves individual and high-net-worth clients, as well as trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities, providing discretionary portfolio management and investment-related research and planning. The firm manages diversified portfolios using macroeconomic indicators and employs a hands-on, tailored approach with a small client base.

General tax planning Active portfolio management

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support