Wealth Management Services

Our primary concern is to help our clients achieve their financial goals.

Altavista Wealth Management, Inc. provides a wide range of investment management and fiduciary services. Our services are designed to assist clients in all aspects of their financial lives. We have officies in Asheville, North Carolina and Charlotte, North Carolina.

“We believe the wealth management process always begins with a plan…”

By design, Altavista is focused exclusively on assisting you with the complex task of managing your wealth. We believe the wealth management process always begins with a plan… knowing where you are now, where you want to be, and what it will take to get there.

Managing your wealth can be a daunting task, particularly given dynamic investment and tax climates. Our integrated and personalized plans take into account the unique facts and circumstances of your life. Our personalized approach to planning is comprehensive, customized and unbiased. With an experienced team in place, you and your family benefit from a coordinated approach to the management of your wealth. At Altavista your financial plan is integrated with your investment portfolio and fiduciary services as part of an ongoing process.

Financial Planning services may include:

Financial Statement Analysis


Cash flow statements and net worth reports are often integral components in financial planning. These reports can provide a comprehensive overview of your finances. This insight can provide a structure for goal setting and, when viewed over time, provide feedback on the progress of your financial plan.

Tax Review


Your tax situation can play a large role in your financial plan. One scenario could produce opportunity to recognize capital gains while another produces a focus on tax reduction strategies. The Altavista team is well equipped to review your scenario and implement a financial plan that best addresses your situation.

Risk Management Analysis


Risk exposure is a primary threat to financial success. Individual situations call for unique risk management strategies. There is no one-size-fits-all model. Your career, age, income, net worth, assets, health and hobbies combine to form a unique risk profile. We can help determine if these risks are appropriately insured.

Investment Analysis


No two portfolios are the same. Individuals have unique goals, lifestyles and assets. The first step of our investment process is to evaluate the investment strategy currently in place. Through a combination of software and advisor review, we seek to locate and correct portfolio inefficiencies. The resulting portfolio should be one that reflects your unique aspirations and is appropriate for your financial plan.

Retirement Analysis


Whether it be travel, enjoying time with grandchildren, or a quiet life on the back porch, retirement is a primary motivation for saving and investing. However, each individual has a unique set of retirement savings options. We evaluate the retirement savings vehicles strategies currently in use available to meet post-career goals. Next, we analyze projections of retirement plans through multiple scenarios. This allows us to provide recommendations to improve the likelihood of retirement plan success.

Estate Planning Documents Review


Your estate planning documents are important in confirming the implementation of your wishes and goals. In partnership with your attorney, we help confirm that your wishes are accurately described in your documents. Our review process not only seeks accuracy, but also efficiency. This process will help confirm that your documents will implement your bequests in a tax and time efficient fashion.

Executive Benefits Analysis


Executive benefits plans can produce rewarding financial outcomes. They can also be complex in their structure. These benefits represent a myriad of tax and investment implications. Our team is ready to help you review your options and optimize your compensation benefits.

Philanthropic Consulting


We seek to help you accomplish your charitable intent. Of paramount importance are the evaluation of funding options and the tax implications of the gift. Our team has experience implementing philanthropic strategies that focus on best achieving a wise use of funds along with gains in tax efficiency.

Business Transitions


The Altavista team has strong experience advising individuals through business sales and succession. This transaction serves as a central component of a business owner's personal finances. We help you integrate the outcome with your long-term financial plan.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

“Our investment philosophy begins and ends with the unique interests of our clients.”

We are long-term investors. We seek strong, long-term returns that are superior to their relevant benchmarks. We expect our clients portfolios to participate in strong market environments, while limiting declines in tougher market conditions. We implement meaningful diversification that spreads portfolio assets among equity, fixed income, and alternative investment categories. This diversified approach is the surest path to success in the marathon of long-term investing.

The Altavista investment process adheres to a disciplined approach that considers opportunities in global stock, bond, and alternative markets. Our investment approach combines top-down economic reviews with investment-specific analysis. This research-driven process supports tailored, risk-conscious, and tax-efficient investment portfolios.

Each portfolio begins with an unique set of goals and objectives. Collaboration allows us to establish a path forward for each portfolio. Our investment process facilitates the client’s path from setting objectives, to asset allocation decisions, to portfolio construction.

Setting Objectives


Setting investment objectives for our clients takes place in conversations with your advisor. We discuss your attitude toward risk, your past experiences in the market and other relevant facts and circumstances surrounding your investment portfolio. This process establishes goals that guide the investment process.

Asset Allocation


The split of your investment assets among equities, bonds, and alternative investments is the key to controlling risk and maximizing return. We take a collaborative approach with our clients in setting an allocation that is appropriate for the inevitable bull and bear markets that will characterize any long-term investment horizon. We use the same approach to consistently review and update the investment guidelines to take into account changes and developments.

Portfolio Construction


We do not believe that one model portfolio is right for all investors. We construct portfolios with a combination of internally-managed strategies and carefully selected sub-advised strategies. Our investment process allows us to build around concentrated holdings, outside private investments, and tax constraints. The resulting portfolio reflects the unique requirements of each client.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

“Altavista is a registered investment advisory firm with full trust administrative capabilities.”

Unlike most wealth management firms, Altavista is a registered investment advisory firm with full trust administrative capabilities. Our trust services include managing Revocable Trusts, Irrevocable Trusts, Charitable Trusts, real estate, closely held businesses and other unique assets.

Altavista’s mission is clear: to offer clients the same fiduciary services available from larger firms, while remaining small and personal enough to accommodate clients who have specific needs. With a commitment to working in conjunction with your estate planning attorney, CPA and other advisors, your team is empowered to deliver creative solutions that address tax issues, professional asset management and beneficiary needs.

For trust services, Altavista works in association with First Hope Bank, N.A., a nationally chartered bank and trust company. First Hope Bank serves as trustee, successor trustee, executor or agent for individual fiduciaries.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

“Highly personalized service is the hallmark of our team, with special, individual focus on the unique circumstances of each family we serve.”

Altavista provides a comprehensive solution to wealth management for ultra-affluent individuals and families. Highly personalized service is the hallmark of our team, with special, individual focus on the unique circumstances of each family we serve. Our customized strategies are designed to meet the needs of multi-generational families, consulting with existing accountants, attorneys and other advisors to craft holistic solutions that help you navigate the world of opportunities and risks.

Family Governance


Through an ongoing process of communication with the family, Altavista provides inter-generational planning, family dynamics consulting and opportunities to prepare and educate heirs to be good stewards of the family legacy.

Planning


At the family level, our team provides a complete range of services designed to help create an infrastructure that protects assets and identifies opportunities, including an expansive financial plan that addresses the unique goals and objectives of each family member.

Philanthropic Consulting


We help achieve your family's philanthropic planning and administration objectives, consulting with you on a wide range of alternatives.

Lifestyle Services


The Altavista Team assists with event planning, management of personal staff, real property management, family wellness consulting and other concierge services.

Investment Management


Altavista creates comprehensive, intergenerational wealth management strategies utilizing traditional, alternative and unique approaches. We design a plan to protect your family's wealth and offer opportunities for growth.

Trust Services


Our team builds specifically tailored solutions for all forms of trust administration (including unique assets such as real estate and closely-held businesses) delivered by a local advisor.

Risk Management


Comprehensive wealth management includes an assessment of risks that can threaten a family’s financial and non-financial assets. In conjunction with insurance professionals, we can assist in the identification and management of those risks. Of particular interest to some clients are strategies designed to manage tangible personal property, such as fine art collections, antiques and other high value collectibles.

Accounting, Technology & Reporting


Our services include ongoing record keeping, performance reporting, technology and data security consulting services to enhance accountability, provide critical information to your family as a whole, and to its individual members.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

“We work diligently and collaboratively on our clients’ behalf.”

Building a successful business is often the work of a lifetime. At some point an owner has to consider a plan for management succession or sale. The business, long a source of professional pride and income must now be considered as a capital asset to be supervised and /or sold.

The business owner will want to consider:

  • How can I optimize the value received from the business?
  • Are family members or key employees interested in or capable of managing the business?
  • What are the tax consequences or opportunities related to succession or sale?
  • How do I integrate the business into my overall financial plan?

The resolution of these issues will be unique to each business owner. We are experienced in guiding business owners through these transitions in close collaboration with their attorney, tax and other key advisors to assist business owners to reach a satisfying result in this once in a lifetime event.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

“Setting aside resources for cherished causes and institutions is a source of great joy and satisfaction.”

Setting aside resources for cherished causes and institutions is a source of great joy and satisfaction. However, the myriad of decisions to make regarding such gifts often complicates this simple, generous impulse. How can you be assured of the wise use of the funds you provide? What is the most tax efficient way to structure the gift? How can you provide for the management of these funds after they have been given away?

Altavista has deep experience in setting up appropriate charitable trusts and funds to assist families in realizing important charitable, income and tax objectives.

Setting up Charitable Trusts and Foundations


There are many tax and management implications to establishing charitable trusts and foundations. Charitable Remainder Trusts produce current income and a tax deduction for the donor. Charitable Lead Trusts are useful for reducing eventual estate taxes. Private Foundations come with unique restrictions on investments and the challenge of providing for management after the donor has passed away or withdrawn from management. We work closely with you and your advisors to design and manage the appropriate charitable structures.

Working With Community Foundations


Altavista believes that community foundations can be an integral component of most of our clients’ charitable plans. These public charities simplify the work of setting up and managing funds for personal and community causes. They provide tax and administrative services for all manner of charitable vehicles. We have close working relationships with the Community Foundation of Western North Carolina in Asheville, the Community Foundation of Henderson County, and the Foundation for the Carolinas in Charlotte. We have also worked to establish charitable funds with community foundations across the U.S.

Investing Charitable Funds


Charitable funds, foundations and endowments have unique investment constraints since they are often called upon to produce a healthy current distribution and can exist in perpetuity. Altavista works closely with families, trustees and investment committees to achieve the funds’ investment goals.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

Our Services
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Financial Planning


“We believe the wealth management process always begins with a plan…”

By design, Altavista is focused exclusively on assisting you with the complex task of managing your wealth. We believe the wealth management process always begins with a plan… knowing where you are now, where you want to be, and what it will take to get there.

Managing your wealth can be a daunting task, particularly given dynamic investment and tax climates. Our integrated and personalized plans take into account the unique facts and circumstances of your life. Our personalized approach to planning is comprehensive, customized and unbiased. With an experienced team in place, you and your family benefit from a coordinated approach to the management of your wealth. At Altavista your financial plan is integrated with your investment portfolio and fiduciary services as part of an ongoing process.

Financial Planning services may include:

Financial Statement Analysis


Cash flow statements and net worth reports are often integral components in financial planning. These reports can provide a comprehensive overview of your finances. This insight can provide a structure for goal setting and, when viewed over time, provide feedback on the progress of your financial plan.

Tax Review


Your tax situation can play a large role in your financial plan. One scenario could produce opportunity to recognize capital gains while another produces a focus on tax reduction strategies. The Altavista team is well equipped to review your scenario and implement a financial plan that best addresses your situation.

Risk Management Analysis


Risk exposure is a primary threat to financial success. Individual situations call for unique risk management strategies. There is no one-size-fits-all model. Your career, age, income, net worth, assets, health and hobbies combine to form a unique risk profile. We can help determine if these risks are appropriately insured.

Investment Analysis


No two portfolios are the same. Individuals have unique goals, lifestyles and assets. The first step of our investment process is to evaluate the investment strategy currently in place. Through a combination of software and advisor review, we seek to locate and correct portfolio inefficiencies. The resulting portfolio should be one that reflects your unique aspirations and is appropriate for your financial plan.

Retirement Analysis


Whether it be travel, enjoying time with grandchildren, or a quiet life on the back porch, retirement is a primary motivation for saving and investing. However, each individual has a unique set of retirement savings options. We evaluate the retirement savings vehicles strategies currently in use available to meet post-career goals. Next, we analyze projections of retirement plans through multiple scenarios. This allows us to provide recommendations to improve the likelihood of retirement plan success.

Estate Planning Documents Review


Your estate planning documents are important in confirming the implementation of your wishes and goals. In partnership with your attorney, we help confirm that your wishes are accurately described in your documents. Our review process not only seeks accuracy, but also efficiency. This process will help confirm that your documents will implement your bequests in a tax and time efficient fashion.

Executive Benefits Analysis


Executive benefits plans can produce rewarding financial outcomes. They can also be complex in their structure. These benefits represent a myriad of tax and investment implications. Our team is ready to help you review your options and optimize your compensation benefits.

Philanthropic Consulting


We seek to help you accomplish your charitable intent. Of paramount importance are the evaluation of funding options and the tax implications of the gift. Our team has experience implementing philanthropic strategies that focus on best achieving a wise use of funds along with gains in tax efficiency.

Business Transitions


The Altavista team has strong experience advising individuals through business sales and succession. This transaction serves as a central component of a business owner's personal finances. We help you integrate the outcome with your long-term financial plan.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

Investment Management


“Our investment philosophy begins and ends with the unique interests of our clients.”

We are long-term investors. We seek strong, long-term returns that are superior to their relevant benchmarks. We expect our clients portfolios to participate in strong market environments, while limiting declines in tougher market conditions. We implement meaningful diversification that spreads portfolio assets among equity, fixed income, and alternative investment categories. This diversified approach is the surest path to success in the marathon of long-term investing.

The Altavista investment process adheres to a disciplined approach that considers opportunities in global stock, bond, and alternative markets. Our investment approach combines top-down economic reviews with investment-specific analysis. This research-driven process supports tailored, risk-conscious, and tax-efficient investment portfolios.

Each portfolio begins with an unique set of goals and objectives. Collaboration allows us to establish a path forward for each portfolio. Our investment process facilitates the client’s path from setting objectives, to asset allocation decisions, to portfolio construction.

Setting Objectives


Setting investment objectives for our clients takes place in conversations with your advisor. We discuss your attitude toward risk, your past experiences in the market and other relevant facts and circumstances surrounding your investment portfolio. This process establishes goals that guide the investment process.

Asset Allocation


The split of your investment assets among equities, bonds, and alternative investments is the key to controlling risk and maximizing return. We take a collaborative approach with our clients in setting an allocation that is appropriate for the inevitable bull and bear markets that will characterize any long-term investment horizon. We use the same approach to consistently review and update the investment guidelines to take into account changes and developments.

Portfolio Construction


We do not believe that one model portfolio is right for all investors. We construct portfolios with a combination of internally-managed strategies and carefully selected sub-advised strategies. Our investment process allows us to build around concentrated holdings, outside private investments, and tax constraints. The resulting portfolio reflects the unique requirements of each client.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

Trust Administration


“Altavista is a registered investment advisory firm with full trust administrative capabilities.”

Unlike most wealth management firms, Altavista is a registered investment advisory firm with full trust administrative capabilities. Our trust services include managing Revocable Trusts, Irrevocable Trusts, Charitable Trusts, real estate, closely held businesses and other unique assets.

Altavista’s mission is clear: to offer clients the same fiduciary services available from larger firms, while remaining small and personal enough to accommodate clients who have specific needs. With a commitment to working in conjunction with your estate planning attorney, CPA and other advisors, your team is empowered to deliver creative solutions that address tax issues, professional asset management and beneficiary needs.

For trust services, Altavista works in association with First Hope Bank, N.A., a nationally chartered bank and trust company. First Hope Bank serves as trustee, successor trustee, executor or agent for individual fiduciaries.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

Family Office Services


“Highly personalized service is the hallmark of our team, with special, individual focus on the unique circumstances of each family we serve.”

Altavista provides a comprehensive solution to wealth management for ultra-affluent individuals and families. Highly personalized service is the hallmark of our team, with special, individual focus on the unique circumstances of each family we serve. Our customized strategies are designed to meet the needs of multi-generational families, consulting with existing accountants, attorneys and other advisors to craft holistic solutions that help you navigate the world of opportunities and risks.

Family Governance


Through an ongoing process of communication with the family, Altavista provides inter-generational planning, family dynamics consulting and opportunities to prepare and educate heirs to be good stewards of the family legacy.

Planning


At the family level, our team provides a complete range of services designed to help create an infrastructure that protects assets and identifies opportunities, including an expansive financial plan that addresses the unique goals and objectives of each family member.

Philanthropic Consulting


We help achieve your family's philanthropic planning and administration objectives, consulting with you on a wide range of alternatives.

Lifestyle Services


The Altavista Team assists with event planning, management of personal staff, real property management, family wellness consulting and other concierge services.

Investment Management


Altavista creates comprehensive, intergenerational wealth management strategies utilizing traditional, alternative and unique approaches. We design a plan to protect your family's wealth and offer opportunities for growth.

Trust Services


Our team builds specifically tailored solutions for all forms of trust administration (including unique assets such as real estate and closely-held businesses) delivered by a local advisor.

Risk Management


Comprehensive wealth management includes an assessment of risks that can threaten a family’s financial and non-financial assets. In conjunction with insurance professionals, we can assist in the identification and management of those risks. Of particular interest to some clients are strategies designed to manage tangible personal property, such as fine art collections, antiques and other high value collectibles.

Accounting, Technology & Reporting


Our services include ongoing record keeping, performance reporting, technology and data security consulting services to enhance accountability, provide critical information to your family as a whole, and to its individual members.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

Consulting for Business Owners


“We work diligently and collaboratively on our clients’ behalf.”

Building a successful business is often the work of a lifetime. At some point an owner has to consider a plan for management succession or sale. The business, long a source of professional pride and income must now be considered as a capital asset to be supervised and /or sold.

The business owner will want to consider:

  • How can I optimize the value received from the business?
  • Are family members or key employees interested in or capable of managing the business?
  • What are the tax consequences or opportunities related to succession or sale?
  • How do I integrate the business into my overall financial plan?

The resolution of these issues will be unique to each business owner. We are experienced in guiding business owners through these transitions in close collaboration with their attorney, tax and other key advisors to assist business owners to reach a satisfying result in this once in a lifetime event.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.

Philanthropic Consulting


“Setting aside resources for cherished causes and institutions is a source of great joy and satisfaction.”

Setting aside resources for cherished causes and institutions is a source of great joy and satisfaction. However, the myriad of decisions to make regarding such gifts often complicates this simple, generous impulse. How can you be assured of the wise use of the funds you provide? What is the most tax efficient way to structure the gift? How can you provide for the management of these funds after they have been given away?

Altavista has deep experience in setting up appropriate charitable trusts and funds to assist families in realizing important charitable, income and tax objectives.

Setting up Charitable Trusts and Foundations


There are many tax and management implications to establishing charitable trusts and foundations. Charitable Remainder Trusts produce current income and a tax deduction for the donor. Charitable Lead Trusts are useful for reducing eventual estate taxes. Private Foundations come with unique restrictions on investments and the challenge of providing for management after the donor has passed away or withdrawn from management. We work closely with you and your advisors to design and manage the appropriate charitable structures.

Working With Community Foundations


Altavista believes that community foundations can be an integral component of most of our clients’ charitable plans. These public charities simplify the work of setting up and managing funds for personal and community causes. They provide tax and administrative services for all manner of charitable vehicles. We have close working relationships with the Community Foundation of Western North Carolina in Asheville, the Community Foundation of Henderson County, and the Foundation for the Carolinas in Charlotte. We have also worked to establish charitable funds with community foundations across the U.S.

Investing Charitable Funds


Charitable funds, foundations and endowments have unique investment constraints since they are often called upon to produce a healthy current distribution and can exist in perpetuity. Altavista works closely with families, trustees and investment committees to achieve the funds’ investment goals.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.