Q&A with Darla Daniel, Vice President – Trust Counsel, Alpine Bank Wealth Management

Q&A with Darla Daniel, Vice President – Trust Counsel, Alpine Bank Wealth Management

August 13, 2020

Estate Planning 101  Q1:  What is the difference between a general durable power of attorney and a medical durable power of attorney and why do I need both? A: A general durable power of attorney is one in which you appoint a family member, friend or other person you trust (your “agent”) to step into …

Read More
Scams Target Small Businesses

Scams Target Small Businesses

August 13, 2020

Scams Target Small Businesses Small businesses have long been a target of scammers and, as technology continues to advance, the scams have become more sophisticated and harder to defend against.  Businesses need to be on the lookout for these scams, some of which have been around for years, while others are riding the wave of …

Read More
Investing During COVID-19

Investing During COVID-19

August 13, 2020

The arrival of COVID-19 has turned the world upside down over the past few months and that includes many people’s investments. With the onset of social distancing and the shutdown of businesses across the country, many investors saw the value of their retirement savings plummet. Though the market has since rebounded, it is unclear how …

Read More
Small Businesses Surveyed

Small Businesses Surveyed

August 13, 2020

A recent survey from the NFIB Research Center revealed that 27% of business owners reported experiencing a significant or moderate increase in sales as a result of eased restrictions related to the coronavirus.[1] An additional 27% reported a “slight” increase. Forty-two percent reported experiencing no change. National Federation of Independent Business (NFIB) Director of Research …

Read More
Estate Planning Now

Estate Planning Now

July 16, 2020

COVID-19 has reminded people that life is fragile and fleeting. While we’d prefer to focus on things like mindless Netflix shows in the wake of the pandemic, social distancing and stay-at-home orders have provided many people with a lot of extra time on their hands, so it is the perfect time to create an estate …

Read More
Educating Teens about Online Fraud

Educating Teens about Online Fraud

July 16, 2020

Teenagers have been active users of social media for years, and with schools across the country closed for months now and social distancing rules drastically limiting opportunities to interact with friends, their online activity has only increased. Not surprisingly, many cyber criminals are turning to social media as a means of targeting teenagers, and it …

Read More
Q&A with Amanda Miller, Vice President, Alpine Bank Wealth Management

Q&A with Amanda Miller, Vice President, Alpine Bank Wealth Management

June 18, 2020

Q: Did the CARES Act ease retirement account rules? A: The short answer is yes! The recently enacted Coronavirus Aid, Relief, and Economic Security (CARES) Act, together with new IRS and Treasury announcements, have temporarily changed deadlines, age restrictions and dollar amounts for certain retirement account transactions, helping to put a little more money into …

Read More
Midyear Review

Midyear Review

June 18, 2020

Spring is the perfect time to take stock of your financial situation and make sure that everything is in order. And in the wake of COVID-19 and the devastation that social distancing is wreaking on many people’s finances, a midyear financial review is more important than ever. Even if you have been diligently saving for …

Read More
Debit Card Scams

Debit Card Scams

June 18, 2020

Debit card use is up significantly in the U.S. and, as you might imagine, so are debit card scams. While scammers don’t necessarily discriminate between debit cards and credit cards, consumers are at more risk using their debit cards. That’s because debit cards are connected to a checking account and customers’ hard-earned money.  So, one …

Read More
Businesses Sell on Google Shopping for Free

Businesses Sell on Google Shopping for Free

June 18, 2020

In response to the coronavirus, Google has opened up its Google Shopping platform to businesses for free. Historically, the only way a business could get its products to appear in this high-visibility part of Google was to buy search ads. Now that the coronavirus has led businesses everywhere to struggle to remain open, Google has …

Read More
How can I bank from home, work, or the hills?

How can I bank from home, work, or the hills?

June 18, 2020

It’s easy to bank anytime, anywhere with AlpineMobile[1]. As an Alpine Bank customer, you can stay on top of your finances from wherever you are 24/7. You must already be enrolled in Alpine Online®[2]. Then once you are enrolled, you can sign up for AlpineMobile, and you can use your web-enabled device or a cell …

Read More
Use Credit Wisely in Uncertain Times

Use Credit Wisely in Uncertain Times

May 15, 2020

Relying on credit cards is never ideal, but there are times when it may be a necessity. The emergence of COVID-19 and the extraordinary measures it has necessitated have meant radical changes in the daily lives of people around the world. With people forced to stay at home and businesses having to temporarily, or in …

Read More
Marriage and Money

Marriage and Money

May 15, 2020

Marriage is for better or worse –it says it right there in the vows. No one gets married with expectations of bad things happening in their relationships or their lives. In the midst of a global pandemic that is wreaking havoc on people’s lives and economies around the world, however, some may look at the …

Read More
Financing College for Your Child

Financing College for Your Child

April 17, 2020

Funding a child’s college education is one of the biggest expenses you will have in your lifetime, so it is never too early to start planning and saving. Just make sure that you are doing so in the smartest way possible and that you aren’t sacrificing equally important things, such as saving for your own …

Read More
How to Avoid Work-from-home Scams

How to Avoid Work-from-home Scams

April 17, 2020

You’ve probably seen the ads on the internet or posted around your town – “Make easy cash working from home, no experience needed.” While it sounds appealing, it’s probably a scam. Most of these “opportunities” are, and they are designed to liberate you from your money. While there are many legitimate work-from-home opportunities, it’s important …

Read More
Q&A with Melissa Knutson, CFP®, Assistant Vice President, Alpine Bank Wealth Management

Q&A with Melissa Knutson, CFP®, Assistant Vice President, Alpine Bank Wealth Management

March 25, 2020

Q: Help! What do I need to do to file my taxes? A: Because the IRS has extended the tax filing deadline from April 15 to July 15, you have some more time. Here’s what you need to do: Locate copies of last year’s federal and state tax returns. It’s always easiest for you or …

Read More
Start an IRA for Your Child

Start an IRA for Your Child

March 23, 2020

Most people open individual retirement accounts (IRA) once they get their first full-time job–typically in their early-to-mid 20s. But if your child begins working at any point before then, starting an IRA for them during childhood, regardless of how young they may be, can give them a huge jump on building significant retirement savings for …

Read More
The Importance of Setting Savings Goals

The Importance of Setting Savings Goals

March 23, 2020

From weight loss to finances, the key to meeting your goals is a clear vision of what you want to accomplish, along with realistic expectations to achieve them. This also holds true for building your savings. Whether your desire is a sizable nest egg for retirement, setting aside money for future generations or funding for …

Read More
IRS Tax Fraud and Scams

IRS Tax Fraud and Scams

March 23, 2020

As tax season approaches, taxpayers need to be on alert for the annual surge in IRS tax scams. Tax fraud can come in many different forms, but it is typically perpetrated through phone scams and email phishing. As with any type of scam, you are the first and last line of defense, so it is …

Read More
For Business Success, Practice Proactive Financial Wellness

For Business Success, Practice Proactive Financial Wellness

March 9, 2020

Building on the momentum of the last few years, the new decade holds tremendous promise for small businesses. But business owners who have been in business for any length of time understand that there will be peaks and valleys along the way. Whether your business is just out of the starting gate or celebrating its …

Read More
Alpine Bank Wealth Management Tops $1 Billion

Alpine Bank Wealth Management Tops $1 Billion

February 20, 2020

Alpine Bank Wealth Management (ABWM) has started the new year by surpassing $1 billion in assets managed for clients for the first time in its history as a division of the bank. “To our clients we say thank you for placing their trust in us,” said Tim Kenczewicz, president of Alpine Bank Wealth Management. “Our …

Read More
SBA Expands HUBZone Opportunities to Small Businesses

SBA Expands HUBZone Opportunities to Small Businesses

February 20, 2020

The United States Small Business Administration (SBA) recently issued a final rule to implement changes to its Historically Underutilized Business Zone (HUBZone) program. The changes are designed to attract small businesses and encourage them to invest in these economically distressed communities that make up the HUBZones. This includes hiring residents from within the HUBZones. According …

Read More
Things to Consider Before Starting a Family

Things to Consider Before Starting a Family

February 20, 2020

Starting a family changes every aspect of your life, particularly your finances. When it comes to family planning, financial planning should be a large part of the equation–whether you are still thinking about starting a family, or if a baby is already on the way.             The cost of raising a child born in 2015 to age …

Read More
Q & A with Matt Michalski, Vice President, Alpine Bank Wealth Management

Q & A with Matt Michalski, Vice President, Alpine Bank Wealth Management

January 22, 2020

Q. Why is saving for retirement early important? A. By the age of 32, two out three young professionals haven’t started saving for retirement. The reasons vary from student loan debt, not finding that first good job out of college, or starting salaries aren’t always the greatest. Further, attitudes toward retirement have changed. Many young workers don’t …

Read More
Telemarketing Fraud

Telemarketing Fraud

January 22, 2020

Telemarketing scammers are relentless in pursuit of your money. With consumer losses estimated at nearly $500 million a year, scammers are applying all means of technology at their disposal to trick victims into opening their wallets. Very often victims are targeted based on information scammers pick up through social media or identity theft. The number …

Read More
Tax Preparation

Tax Preparation

January 22, 2020

When the calendar shows January, it means a new year and a clean slate –the time for setting goals and making resolutions. It is also the time to start preparing your 2019 taxes.             While it’s pretty much a given that nobody enjoys doing their taxes, the earlier you begin preparing, the better off you …

Read More
Add to Savings or Pay Off Debt?

Add to Savings or Pay Off Debt?

January 22, 2020

The importance of saving for retirement cannot be overstated. In an ideal world, everyone would have more than enough money to sock away some each month to ensure that they can maintain their lifestyle, once they are no longer working. In reality, however, life just isn’t that simple. After paying for day-to-day living expenses, most …

Read More
SBA Says Its Lending Shows Strong Economy

SBA Says Its Lending Shows Strong Economy

December 16, 2019

Recent small-business lending has been reflecting strong economic trends, according to the United States Small Business Administration (SBA), which announced its FY19 lending numbers. They show that the SBA guaranteed over $28 billion to entrepreneurs who otherwise may not have had access to capital to start or expand their businesses. Acting SBA Administrator Chris Pilkerton …

Read More
Be On Guard for Cash App Fraud

Be On Guard for Cash App Fraud

December 16, 2019

Unfortunately, new technology also means new opportunities for fraud. Cash apps, such as Venmo, Facebook Pay and PayPal are becoming more ubiquitous. Because these apps link directly to your bank or credit card accounts, they have also become a top target for scammers. Cash app technology opens up several new avenues for scammers who understand …

Read More
Your Budget For 2020

Your Budget For 2020

December 16, 2019

From getting into shape, to eating better and other self-help goals, there is no shortage of resolutions that people make each year–and that includes saving money. Despite the best intentions, most resolutions are abandoned and forgotten by the time February rolls around, largely because people don’t take steps to ensure they can reach their goals. …

Read More
Legacy Planning

Legacy Planning

November 22, 2019

As much as we all hate to think about the fact that our time on earth has an expiration date, it is an unfortunate reality. While the idiom “you can’t take it with you” may be a tired one, it is nonetheless true. Since you can’t hang on to the material wealth that you acquire …

Read More
Financial News – Q & A with Melissa Knutson, CFP ®

Financial News – Q & A with Melissa Knutson, CFP ®

November 22, 2019

Melissa Knutson, CFP ® Assistant Vice President, Alpine Bank Wealth Management Q. Should I invest in real estate? A. Real estate prices have increased considerably over the past decade across the state. A rental property can be a great way to generate consistent income and long-term appreciation over time. However, real estate investing is not …

Read More
Things to Consider When Planning for Retirement

Things to Consider When Planning for Retirement

October 10, 2019

Most people dream of the day they will retire, relax and enjoy the fruits of their labor. Few dreams become reality without hard work and preparation, and it is no different when it comes to retirement. Failing to carefully plan and invest for retirement could leave you without the funding necessary to live the life …

Read More
Join Alpine Bank in Supporting the Arts

Join Alpine Bank in Supporting the Arts

October 10, 2019

October is National Arts and Humanities Month, which is the largest annual celebration of the arts in our nation. So, there’s no better time to share how Alpine Bank celebrates the arts in Colorado with the help of our customers. Each time an Alpine Bank customer uses their chosen Arts Loyalty Debit Card, Alpine Bank …

Read More
SAVE MONEY AND TIME WITH ONE CARD

SAVE MONEY AND TIME WITH ONE CARD

October 9, 2019

You already have it. Your Alpine Bank Business Debit Card includes a long list of benefits for you and your business. Some of our favorites: • No annual fee. • No scrambling to buy postage stamps. • No waiting for your check to clear. • No need to order more checks. • No stressing about …

Read More
Mortgage Fraud: Borrower Beware

Mortgage Fraud: Borrower Beware

September 16, 2019

When it comes to mortgages, there are ten ways from Sunday to defraud in the quest to illegally profit from the mortgage loan process. Whether it’s to bilk a financial institution or steal from an individual, mortgage fraud can target either side of a mortgage transaction. Common sense and paying attention to details are the …

Read More
How to Improve Your Child’s Financial Aid Prospects

How to Improve Your Child’s Financial Aid Prospects

September 16, 2019

Depending on the school that your child chooses, it is not uncommon for a college education to cost hundreds of thousands of dollars and, as a result, a large portion of students find themselves taking out some sort of financial aid. If the expense of college is something that you or your child are going …

Read More
Investing in Education: K-12 and Beyond

Investing in Education: K-12 and Beyond

September 16, 2019

Alpine Bank believes that supporting education is critical to building strong communities. That’s why the bank takes a more is better approach to giving back to a wide variety of education initiatives across Colorado. From rewarding K-12 students for good grades to funding scholarships that can make dreams of college come true, Alpine is determined …

Read More
Time to Review Finances

Time to Review Finances

August 15, 2019

             Believe it or not, 2019 is already more than halfway through and before you know it, it will be time to start thinking about your 2020 New Year’s resolutions. Before looking that far ahead, however, now is the perfect time to check in on where things stand with your finances –particularly if adhering to …

Read More
Diversify Your Investments To Match Your Stage of Life

Diversify Your Investments To Match Your Stage of Life

July 16, 2019

Investing for the future is a long-time commitment, and the sooner you begin, the better off you will be at retirement. The way you approach investing should continuously change to match whatever stage of life you are in to ensure that your investments remain in line with your financial situation and life needs. Investing Early …

Read More
Home Equity Loans: Benefits & Drawbacks

Home Equity Loans: Benefits & Drawbacks

July 16, 2019

From major home renovations, to having to buy a car, the need to pay for a child’s college education or countless other things, there are many reasons why homeowners find themselves in need of money. But when it comes to financing life’s expenses, running up credit cards or taking out a loan may not be …

Read More
Understanding Wedding Costs is Key

Understanding Wedding Costs is Key

June 17, 2019

Wedding planning can be lots of fun. With no shortage of options and features available, it can be easy to lose sight of the costs. So if a wedding is in your future –whether it is your own wedding, or you are a parent footing the bill, the first thing you should do when it …

Read More
Debit Card Scams

Debit Card Scams

May 21, 2019

In the United States, the use of debit cards is rising faster than all other forms of payments. It’s no surprise then that debit card fraud is also rising. The bad news is, with debit cards, consumers don’t have the same liability protections as they do with credit cards so they must be much more …

Read More
529 Savings Plans Can Now Fund Primary Education

529 Savings Plans Can Now Fund Primary Education

May 21, 2019

The quality of education that your child receives will likely have a significant impact on his or her future success. Since quality usually comes at a financial cost that means the need for significant savings to pay for your child’s education, particularly if private school is involved. One of the most popular ways of saving …

Read More
College Planning Tips

College Planning Tips

April 24, 2019

             If you have children, a college degree may well be part of your vision for their future. When it comes to graduating college, however, a large number of students who begin college do not actually complete their degrees –and it isn’t because they are lazy or lose interest. One of the biggest factors that …

Read More
Time-share Scams

Time-share Scams

April 24, 2019

Born in the late 1970s, the time-share industry has received its fair share of scrutiny for high-pressure sales tactics. Under pressure by state regulators, the industry has largely cleaned up its act in recent years, but buyers still need to beware. The real scam occurs when owners feel the need to get out from under …

Read More
Save for Retirement with a Spousal IRA

Save for Retirement with a Spousal IRA

March 18, 2019

Soaring childcare costs are spurring more and more people –both women and men– to take a break from traditional careers in order to care for school-age children. But that doesn’t mean they should pause their retirement savings as well. Though taking a break from working means an end to regular paychecks and retirement benefits such …

Read More
How to Avoid Work from Home Scams

How to Avoid Work from Home Scams

March 18, 2019

You may be familiar with the ads: easy money (or big paychecks), no experience, one hour a day, work from home. Sound too good to be true? It probably is. In fact, for every legitimate work from home opportunity, there are 70 work from home scams that attempt to rob you of your money. While …

Read More
Scholarship Opportunities:  A Message From Our Chairman

Scholarship Opportunities: A Message From Our Chairman

February 15, 2019

“In January 1973, when we opened the doors of our first bank in Carbondale, Colorado, Alpine Bank’s mission as a community bank was to be just that – focused on community. We can think of no better community endeavor than to help our neighbors further their education. We are proud to offer these scholarships as well as …

Read More
Ring in 2019 with a Financial Plan

Ring in 2019 with a Financial Plan

January 16, 2019

If making resolutions are part of your plans for the new year, make sure that some of them are financial. With a little bit of planning, your financial resolutions could begin paying off before you’ve abandoned your last diet or exercise-related resolutions –which is apparently before the end of February for most Americans, according to …

Read More

Recent Posts

    Filter Posts by Topics