Alluvial Wealth Management

Victor Lai serves as President and Chief Investment Officer, centralizing portfolio construction and tax-management decisions under a single lead. The firm operates without a sprawling investment committee structure, reflecting its lean RIA configuration. Lai's professional background prior to founding the firm is a matter of public record through securities licensing disclosures.

Alluvial's client base is drawn almost entirely from the San Francisco Bay Area technology ecosystem. The firm concentrates on professionals holding concentrated equity stakes in publicly traded technology companies who are navigating liquidity events or ongoing Rule 10b5-1 trading plans. Its specialized cross-border tax capability further funnels in clients with dual-country tax filing requirements in Canada and Asia. There is no known institutional sourcing channel or formal corporate relationship program.

No. Alluvial does not offer proprietary mutual funds, hedge funds, or private equity vehicles. The investment implementation relies on separately managed accounts that use direct indexing software licensed from third-party technology providers. This eliminates internal fund management conflicts and keeps the firm's economic model anchored entirely to advisory fees on individually managed accounts.

Alluvial deploys systematic tax-loss harvesting at the individual tax-lot level through direct indexing portfolios — a technique that realized capital losses to offset gains from concentrated stock sales. This is paired with an explicit cross-border tax planning service for clients subject to dual-regime taxation, a relatively rare offering among small RIAs that creates a compliance specialization serving immigrant technology executives.

There is no indication in the firm's public profile that it allocates to private equity, venture capital, hedge funds, or real estate partnerships. The firm's public positioning is centered entirely on public-market equity and fixed-income portfolios delivered through direct indexing. Its value proposition is tax-aware beta, not alpha generation through manager selection or private-market access.