Our Difference

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As an independent firm, Alluvial Private Wealth is differentiated from other wealth managers in several ways, each of which benefits our clients.

Holistic
Approach

Our independence allows us to provide comprehensive financial planning advice by analyzing and advising all of your assets, regardless of where they are held.

Open
Architecture

We are unencumbered by a corporate owner, so we are able to find top quality investment solutions for you from across a full range of third-party providers – from the largest national names to specialized boutiques.

Fiduciary
Standard

We are able to serve your best interests as our priority – without any conflict of interest.

Marion
Based

We are committed to staying in Marion for the long term, so we are able to offer our local clients the personal attention they deserve.

While the structure of our firm and the professional experience of our team set us apart, it is truly the personal approach we bring to our clients that creates a valuable difference.

Major Life Stages

Yogi Berra said that “If you don’t know where you are going, you might wind up someplace else.” Financial planning is always important as you go through life’s stages to make sure you are making progress towards accomplishing life goals, but planning is even more important when facing major life events. Major life events include starting a new career or entering retirement, welcoming a new child to your home or sending that child off to college, getting married or becoming single again. Our personal approach ensures that we are in tune with the many financial decisions you face before, during, and after the major events of your life.

or entering retirement, welcoming a new child to your home or sending that child off to college, getting married or becoming single again. Our personal approach ensures that we are in tune with the many financial decisions you face before, during, and after the major events of your life.

We’re ready to help answer your questions because we’ve helped others just like you as they faced similar questions. Questions just like these…

R e t i r e m e n t P l a n n i n g S p e c i a l N e e d s P l a n n i n g C o l l e g e P l a n n i n g P r e - R e t i r e m e n t P l a n n i n g E s t a t e P l a n n i n g D i v o r c e P l a n n i n g

Retirement
Planning

  • How much can I safely take from my portfolio each year?
  • When is the optimal time to take Social Security?
  • Should I take my pension as a monthly income or a lump sum?
  • Should I take a monthly pension income based on single life or joint life?

Pre-Retirement
Planning

  • Have I saved enough to retire?
  • Is it better to be make my 401k contributions as Roth or Traditional?
  • How do I best cover health care costs if I retire before Medicare eligibility?

Estate
Planning

  • Can I avoid the cost of probate and directly transfer assets to my loved ones?
  • How much life insurance do I really need?
  • My family has a unique situation, how might my estate plan better care for my loved ones?

Special Needs
Planning

  • Who will care for my special needs child after I’m gone?
  • How can I provide for my special needs child without disqualifying them from government benefits?
  • Do I need a special needs trust, or can’t I just give everything to their sibling to take care of my special needs child?

College
Planning

  • What’s the best way to save for my child or grandchild’s future college costs?
  • If the child doesn’t use the funds for college, what can I do with the 529 account?

Divorce
Planning

  • Will I have enough income and assets to cover my expenses?
  • What assets should I ask for in the divorce?
  • Now that I’m divorced, do I really need the life insurance I’ve kept over the years?
Retirement Planning

How much can I safely take from my portfolio each year? When is the optimal time to take Social Security? Should I take my pension as a monthly income or a lump sum? Should I take a monthly pension income based on single life or joint life?

Pre-Retirement Planning

Have I saved enough to retire? Is it better to be make my 401k contributions as Roth or Traditional? How do I best cover health care costs if I retire before Medicare eligibility?

Estate Planning

Can I avoid the cost of probate and directly transfer assets to my loved ones? How much life insurance do I really need? My family has a unique situation, how might my estate plan better care for my loved ones?

Special Needs Planning

Who will care for my special needs child after I’m gone? How can I provide for my special needs child without disqualifying them from government benefits? Do I need a special needs trust, or can’t I just give everything to their sibling to take care of my special needs child?

College Planning

What’s the best way to save for my child or grandchild’s future college costs? If the child doesn’t use the funds for college, what can I do with the 529 account?

Divorce Planning

Will I have enough income and assets to cover my expenses? What assets should I ask for in the divorce? Now that I’m divorced, do I really need the life insurance I’ve kept over the years?

Each of these stages – and the many life events in between – call for very personal decision-making, which should be driven by your individual values. But in each case, there are very practical factors that should be considered. As your trusted advisor, with decades of experience, we can provide the objective advice to help you weigh the various options you face.