Altos Financial Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$29,173,464
Clients
39
Advisors
2
of 2 employees
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
Expertise
Fee options
$0 - $100,000: 1.25% $100,001 - $500,000: 1.00% $500,001 - $1,000,000: 0.75% $1,000,001+: 0.50%
$250 per hour
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
4100 Moorpark Ave, Ste 104
San Jose CA 95117
Advisors at this office
2
Most active in
California
Also doing business as
Altos Financial Management LLC · Altos Financial Management, LLC · Www.Insureforlessmoney.Com
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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.
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.
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