About the Author

Alvina H. Lo

Chief Wealth Strategist

As part of the Wilmington Trust Emerald Family Office & Advisory team, Alvina is responsible for wealth planning, strategic advice, and thought leadership development for Wilmington Trust’s Wealth Management division. She oversees a national team of wealth strategists, financial planners, and thought leadership experts, who together, serve as advisors to high-net-worth individuals and families, business owners, entrepreneurs, and foundations and endowments.

Prior to joining Wilmington Trust, Alvina was the director and senior wealth planner for Citi Private Bank where she served as an advisor to U.S. and international ultra-high-net-worth clients. Previous to that, she served as a wealth strategist with Credit Suisse Private Wealth and managed the third-party trustee platform. Earlier in her career, Alvina practiced law at Milbank Tweed Hadley & McCloy, LLP in the Trusts & Estates group and served as a consultant for Deloitte Consulting and Scient Corporation.

Alvina holds a bachelor’s degree in civil engineering from the University of Virginia where she was a Thomas Jefferson Scholar. She received her JD from the University of Pennsylvania, where she was a member of the Law Review and Order of the Coif. She also holds a Professional Tax Certificate in Estate Planning from New York University School of Law.

Alvina has been recognized by Crain’s New York Business as one of their Most Notable Women in Financial Advice in 2020. The honor recognizes leading women executives in New York City for their dedication to excellence in the financial industry and significant professional, civic, and philanthropic contributions. Alvina was most recently recognized as one of Worth’s Groundbreakers 2020: 50 Women Changing the World. She is a published author on estate planning matters and has lectured at the American Bankers Association, American Bar Association, Delaware Trust Conference, Hawaii Tax Institute, and Barron’s Top Women Advisors Summit. She has been quoted in the New York Times, Barron’s, Bloomberg, and Business Insider. She is admitted to practice in the states of New York and New Jersey. She is also a member of the Society of Trust and Estate Practitioners (STEP) and is a member of Women In America, a professional development group. She is a regional committee co-chair of the Thomas Jefferson Scholarship Foundation for the University of Virginia. Alvina is bilingual and speaks fluent Chinese-Cantonese and basic Chinese-Mandarin.


By the Author

Gifting Assets Under a Biden Administration

Alvina H. Lo |
Emerald GEMs

January 26, 2021, GEM 31 — With the Biden administration and Democrat-controlled Congress now in place, the lifetime gift exemption—currently at an all-time high—could revert to a drastically lower level sooner rather than later. Therefore, now is the time for gifting assets while the higher exemption is still available. In today’s podcast, Chief Wealth Strategist Alvina Lo discusses actionable estate planning strategies, including common roadblocks and how to overcome them.

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New Year, New Administration: What Does This Mean for Gifting Under Your Wealth Plan?

Alvina H. Lo |
Wealth Planning

With big changes in the White House, wealth planning is key.After many recounts and court challenges, Joseph R. Biden Jr. has been inaugurated as President of the United States.For those whose assets are significant enough to have a taxable estate, planning will be even more important now. With the potential for a considerably reduced federal gift tax exemption, now is the time to make significant gifts.

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Revocable Trusts May Play a Role in Your Estate Plan

Alvina H. Lo |
Emerald GEMs

September 22, 2020, GEM 21 — When contemplating your estate plan, you may wonder whether you should have a revocable trust, also known as a living trust, in addition to your will. The answer may depend on your net worth and the nature of your assets. Generally, the more assets you have, and the more complicated they are, the more you may benefit from a revocable trust.

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3 Insurance Strategies Not to Overlook

Alvina H. Lo and William T. LaFond |
Wealth Planning

Are your insurance strategies covering the full spectrum of protection you need?With estate taxes due typically nine months after the date of death, having a liquidity strategy in place will help keep your assets secure from an unintended sale.A new study from The First Street Foundation lists 14.6 million properties in the 100-year flood zone, which is where there is a 1% chance of a flood striking in any one year.

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Elder Abuse: The Risks of Third Party Fraud

Brian Oard and Alvina H. Lo |
Wealth Planning
Elder Abuse Third Party Fraud.png

What steps have you taken to help your clients protect, monitor, and limit access to financial information from caregivers and other potential outside predators? Patrick Conley, CEO, Franklin Global Inc., met with Wilmington Trust’s President, Western Region Brian Oard and Chief Wealth Strategist Alvina Lo at the 2019 Hawaii Tax Institute to outline important steps families should take to protect their love ones from elder abuse.

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