# Alluvial Wealth Management

Alluvial Wealth Management is an Asset Manager based in Matthews, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Matthews, United States
- **Region:** North America
- **Address:** San Jose, CA, United States
- **Assets under management:** Undisclosed
- **Website:** alluvialwealth.com

## Regulatory record

- **CRD number:** 305503
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/305503

## About

ALLUVIAL WEALTH MANAGEMENT is a state-registered investment adviser in MATTHEWS, NC. The firm manages approximately $2 million in regulatory assets under management, with $1 million on a discretionary basis. It has 1 employee and 1 investment adviser.

## People

- Victor Lai — President & Chief Investment Officer

## Questions

### Who runs investment decisions at 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.

### How does Alluvial Wealth Management source its clients?

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.

### Does Alluvial run its own proprietary investment funds?

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.

### What is Alluvial's specific tax-management capability?

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.

### Does Alluvial Wealth Management advise on alternative assets or private markets?

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.

## Related profiles

- [WMS Wealth Planners](https://altss.com/profile/wms-wealth-planners)
- [Hein Park Capital Management](https://altss.com/profile/hein-park-capital-management-lp)

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Last updated: 2026-06-03T20:00:00.000Z

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