Alpha FinancialAlpha Financial · Fee-only fiduciary wealth management
Our mission: maximize your financial potential.
For families building wealth or ready to enjoy it: we fix your investments, work to cut fees and taxes, and plan so you’re ready for whatever comes.
For households with $500,000 or more to invest. See if you’re on track.
Book your free call No obligationOne simple path, on rails
From the first call to ongoing monitoring, everyone follows the same clear process.
We optimize your portfolio
We work to cut the fees and taxes you don’t need to pay, with fiduciary portfolios built on time-tested principles.
We plug it into your cash-flow plan
A lifetime cash-flow plan, included in the service. It’s built on assumptions you can see and adjust.
When life changes, you see whether to act
A new job, a sale, an inheritance or a market drop: we update the plan and show you the effect, without a sales pitch.
The big decisions, answered with your numbers
Your plan answers the questions people lose sleep over.
What you get
One service, one published fee.
- Fiduciary portfolios. We act in your best interest, as a legal duty, all the time.
- You may pay less than today. We compare your current costs with ours. Results vary; see the fee schedule.
- Lifetime cash-flow plan included. It isn’t an add-on or an upsell.
- Your money stays in your name. Charles Schwab, an independent, unaffiliated custodian, holds client assets.
- Time-tested principles. Evidence over guessing, with our fees and conflicts disclosed in our Form ADV.
- 30+ years of experience. 30+ years optimizing financial performance for companies and people, including more than a decade as a fiduciary advisor.
- A real person for anything unusual. An experienced fiduciary advisor reviews and approves every plan.
One published fee
Fee-only and billed monthly, based on assets under management. Each rate applies to the portion of assets in that tier. Accounts for the same individual or family may be combined for a lower rate, case by case.
| Assets | Rate per month | Annualized |
|---|---|---|
| First $200,000 | 0.092% | 1.10% |
| Next $400,000 | 0.071% | 0.85% |
| Next $400,000 | 0.054% | 0.65% |
| Next $4 million | 0.038% | 0.45% |
| Next $5 million | 0.029% | 0.35% |
| Over $10 million | 0.018% | 0.22% |
Fund, ETF and custodian costs are separate. We take no commissions, mark-ups, trailer or 12b-1 fees. The cash-flow plan is included. Source: Form ADV Part 2A, Item 5. Full details are in our Form ADV.
Our approach
Time-tested fiduciary techniques, applied to your whole picture.
- Low-cost, diversified portfolios. We work to build diversified portfolios from low-cost funds, match them to the risk you can take, and keep them on target with disciplined, tax-aware rebalancing.
- Every account working together. We work to use every account type you’re eligible for (taxable, tax-deferred, tax-free, education and health savings) and place assets with taxes in mind.
- Taxes you don’t need to pay. We work to find them, using lifetime tax bracketing, Roth conversions when the timing is right, tax-loss and tax-gain harvesting, and a smart withdrawal order. Tax-aware planning and scenarios, not tax-return preparation or legal opinions.
- Cash when you need it. We work to plan how you access cash, and test big decisions like retirement timing against a lifetime cash-flow plan we update when life changes.
Simple to start
Tell us a little
Your first name, email and state. Nothing financial up front.
Pick a time
The calendar is on the same screen. The call is free, with no obligation.
Talk it through
A rough picture is enough; no statements needed. If you go ahead, you open accounts at Schwab in your own name, and we do the paperwork with you.
Questions people ask
Are you a fiduciary all the time, and how do you get paid?
Yes. We are a fee-only fiduciary: we’re paid only by our clients, under a published fee schedule, and take no commissions. Acting in your best interest is a legal duty for us, all the time.
Will I pay less than I do now?
You may. Many portfolios carry fund costs, advisory fees and taxes that can be reduced. We compare your current costs with ours on the first call. Results vary; see our fee schedule.
Who holds my money?
Charles Schwab, an independent, unaffiliated custodian, holds client assets in accounts in your own name. We manage the investments; Schwab, not Alpha, holds your money.
When can I retire, and what happens when life changes?
Your cash-flow plan is a planning tool built on assumptions you can see and adjust. When life changes, we update it and show you whether you need to act, including the effect on when you can retire.
Is there a minimum, and what happens on the first call?
Our minimum is $500,000 investable. The first call is free with no obligation. Bring a rough picture; no statements needed. You’ll leave knowing whether we can help.
See if you’re on track
A free call with a fee-only fiduciary. No statements needed, and no sales pitch.
Prefer to call? (480) 299-9025