2022
The First Door Opens
Founded in Moscow, Idaho with three advisors and eleven founding families.
Fiduciary Wealth Advisory · All 50 States
A clearer path to the wealth your life deserves.
Alpha Finance Sync is a fee-only fiduciary firm helping American families turn paychecks into portfolios — and portfolios into retirements. Transparent advice. No commissions. No hidden agendas. Just your goals, engineered into a plan.
Trusted by 2,400+ households since 2022
92% on trackRetirement readiness
$18,420 savedTax year 2025
FiduciaryLegally yours first
Model Portfolio · Path One Growth
Live$1,180,000
+12.4% YTD · Low volatility tilt
Equities55%
Fixed Income25%
Alternatives12%
Cash Reserve8%
2022Established
About Alpha Finance Sync
Founded in 2022. Built for generations.
Alpha Finance Sync began in a small office in Moscow, Idaho, with one conviction: everyday Americans deserve the same caliber of wealth guidance as institutions — delivered with total transparency. In a few short years, our fiduciary advisors now guide families, pre-retirees and business owners across all fifty states, one honest plan at a time.
Our Vision
To become America's most trusted independent wealth counsel — a firm where every household, regardless of starting balance, has a written, working plan for financial independence.
Our Mission
We convert financial anxiety into financial clarity. Through fee-only fiduciary advice, disciplined portfolio design and relentless education, we help clients keep more of what they earn, grow what they keep, and retire on their own terms.
Our Values
Four values govern every recommendation we make:
- Fiduciary first — your interest is a legal obligation, not a slogan.
- Radical transparency — every fee, every trade, every conflict, disclosed.
- Patience over performance theater — compounding beats chasing.
- Education as advice — a client who understands the plan keeps the plan.
Our Principles
- Planning precedes products. We never recommend an investment before a written plan exists.
- Diversification is a promise, not a preference. Concentration is how fortunes are lost.
- Taxes are the largest expense you control. Every strategy is evaluated after-tax.
- Behavior is the biggest variable. Our job is to protect you from yourself in volatile markets.
Milestones & Momentum
Numbers that carry weight.
Every figure below represents a family with a plan, a retirement with a date, and a future with a margin of safety.
2023
First 100 Households
Word of mouth carries the firm past one hundred comprehensive plans.
2024
$150M Under Advisement
Institutional-grade portfolio architecture offered to main-street investors.
2025
National Fiduciary Registry
Formal RIA registration and a written fee-only pledge for every client.
2026
Coast to Coast
Active clients in all 50 states — virtual-first, relationship-always.
Why Choose Us
Advice you can verify, results you can feel.
Anyone can promise returns. We promise a standard — and we put it in writing.
Fiduciary, Always — by Contract
Every advisor signs a standing fiduciary oath. Your best interest isn't our policy; it's our legal duty, at all times, on all accounts.
Fee-Only. Zero Commissions.
We are paid exclusively by you — never by fund companies, insurers or lenders. Conflicts of interest are engineered out, not managed.
One Advisor, One Direct Line
No call centers, no rotating agents. You get a named CFP® professional and their mobile number — because markets don't wait for business hours.
Behavioral Coaching That Pays
Studies show a disciplined advisor relationship adds up to 3% in net returns. We are the hand that stops you from selling the bottom.
Tax-Aware by Default
Asset location, loss harvesting and Roth sequencing are built into every portfolio — because your after-tax return is the only real return.
3.1×
Median improvement in projected retirement income after 24 months with SWP
Top Independent RIA · 2025
How We Work
Four steps from uncertainty to plan.
Discover & Listen
A 60-minute conversation about your money story — income, debts, fears, dreams. We listen before we ever prescribe.
Free · 60 minDesign Your Blueprint
We model your cash flow, taxes, insurance and investments into a written WealthPath™ plan with clear milestones.
2–3 WeeksImplement & Optimize
Accounts restructured, rollovers executed, allocations deployed — with every trade explained and every fee itemized.
Hands-OnReview & Grow
Quarterly reviews, annual tax check-ups and proactive adjustments as life changes. The plan evolves; the discipline holds.
Ongoing
Our Services
Complete Financial Solutions. One Trusted Partner.
From personal borrowing to long-term wealth creation, we provide integrated financial solutions designed around your goals, needs, and future.
01
Personal Loan
Flexible personal financing for planned expenses, emergencies, education, travel, home improvements, and other important financial needs.
Flexible Funding
Quick Processing
Competitive Rates
Explore Personal Loans
02
Credit Loan
Access financing solutions built around your credit profile, helping you manage major expenses while keeping repayment structured and manageable.
Credit-Based Options
Flexible Repayment
Rate Guidance
Explore Credit Loans
03
Mortgage Loan
Home financing guidance to help you understand your borrowing options, compare suitable solutions, and plan confidently for your property purchase.
Home Financing
Loan Comparison
Repayment Planning
Explore Mortgage Options
04
Wealth & Investment Planning
Build and manage a long-term financial strategy with investment planning focused on your goals, risk profile, diversification, and wealth growth.
Portfolio Planning
Asset Allocation
Wealth Growth
Build Your Wealth Plan
05
Tax Advisory
Practical tax planning and advisory designed to help you understand your obligations, identify planning opportunities, and organize your finances efficiently.
Tax Planning
Tax Strategy
Financial Review
Plan Your Taxes
06
Insurance Service
Protection-focused insurance solutions designed to help safeguard your family, income, assets, and financial plans against unexpected events.
Life Protection
Asset Coverage
Risk Planning
Protect What Matters
Transparent Pricing
Simple fees. Zero fine print.
Choose the level of partnership your situation deserves. Upgrade, downgrade or cancel anytime — with 30 days' notice and no exit penalties.
Pathlight
For DIY investors who want a professional plan and the confidence to run it.
$290/month
- Full WealthPath™ financial plan
- Goal & cash-flow modeling
- Annual plan refresh
- Email support (48h response)
- Client portal access
Cornerstone
For busy households who want everything managed, monitored and explained.
$690/month
- Everything in Pathlight
- Discretionary portfolio management
- Tax-loss harvesting & Roth sequencing
- Quarterly strategy reviews
- Named advisor · direct mobile line
- Estate & insurance coordination
Legacy Private
For executives, business owners and multi-generational wealth.
$1,450/month
- Everything in Cornerstone
- Equity compensation & 10b5-1 planning
- Business exit & succession strategy
- Trust & multi-generational design
- Private tax-strategy sessions
- Same-day advisor access
No assets-under-management percentage. No commissions. No performance games. Cancel anytime with 30 days' notice.
Signature Tool
See your future. Right now.
Drag the sliders. Watch decades of compound growth chart themselves in real time — this is the same engine we use in your first consultation.
Projected Value at Horizon
$0
Total value
What you put in
$0You Invested
$0Growth Earned
0×Money Multiplied
Service Booking
Book your complimentary Path Session.
Sixty minutes. A named advisor. Zero cost, zero obligation — and you'll leave with at least two actionable ideas, whether or not you ever hire us.
Prefer to talk first? Call us directly at (410) 727-8665 — Mon–Fri, 8am–6pm PT.
Reserve Your Session
Takes under 60 seconds. No credit card, no commitment.
Client Reviews
Real households. Real turning points.
I'd beenrolling my old 401(k)s between three brokers for six years, too nervous to touch them. Alpha Finance Sync consolidated everything in three weeks and showed me — on one page — exactly what I was paying and what I was on track for. I finally sleep on Sunday nights.
Margaret EllisAustin, Texas
Verified
Their debt plan knocked 4 years off my payoff timeline without me earning another dime. It wasn't magic — it was math I'd never been shown. My advisor even negotiated my refinance terms with me on the phone. Fee-only is real, and it shows.
Daniel ReyesSeattle, Washington
Verified
As a small-business owner, my taxes were a black hole. Their tax planning found a retirement plan structure my CPA had never mentioned — legitimately saving me $21,000 last year alone. They coordinate with my accountant like one team.
Susan WhitfieldChicago, Illinois
Verified
When the market dropped 18% in 2025, my advisor called me before I could panic-sell. We rebalanced into the dip instead. That one conversation probably paid for a decade of their fee. Discipline is the product, and they deliver it.
James O'NealAtlanta, Georgia
Verified
We inherited money after my mother passed and had no idea what to do. They never once rushed us, explained every option in plain English, and set up a college fund for our daughter alongside our own retirement. Genuinely decent people.
Linda KowalskiDenver, Colorado
Verified
First-generation wealth builder here — nobody in my family ever owned investments. Their credit program took my score from 611 to 748 in fourteen months, and now I'm buying my first rental. The monthly letter alone is worth the fee.
Robert ChenSan Diego, California
Verified
Questions, Answered
Everything you're wondering.
Straight answers before you ever get on a call — because trust starts with transparency.
Still curious?
Ask us anything directly. A real advisor — never a sales rep — will reply within one business day.
Ask a QuestionLegally, contractually, always. We are a Registered Investment Advisory (RIA) firm, which binds every advisor to the fiduciary standard under the Investment Advisers Act of 1940 — plus every client agreement repeats the pledge in writing. If we ever breach it, you have legal recourse. Few firms will put that in a contract; we insist on it.
Only from you — a flat monthly subscription with no commissions, no revenue sharing, no fund-family incentives, and no percentage-of-assets creep. Your invoice is identical to our revenue from you: there is nothing else. That structure is printed on the first page of every proposal.
No. Our Pathlight plan was built specifically for people starting out — $5,000 saved or $50,000, the planning process is identical. We believe advice shouldn't be a luxury reserved for the already-wealthy.
Yes — we currently serve active clients in all 50 states via secure video, shared planning portals and direct phone access. Roughly 90% of our client meetings happen virtually, and client outcomes are indistinguishable from in-person relationships.
Constantly — it's one of our most common first projects. We manage the entire rollover process with your former provider, ensure it's done as a direct trustee-to-trustee transfer (so you never touch the money or trigger taxes), and redeploy it according to your plan, usually within 10–15 business days.
Absolutely — we prefer it. With your written permission, we coordinate directly with your CPA on tax strategy and with your estate attorney on trust funding. If you don't have a CPA or attorney, we can introduce vetted professionals in your state from our referral network.
Your free Path Session happens within a week. Your full WealthPath™ blueprint — projections, allocation, tax strategy and action list — is delivered in two to three weeks, depending on how quickly we can gather account statements. You'll never wonder where things stand; your portal shows every milestone.
In your own name, at an independent, SIPC-member qualified custodian — never in our accounts. We can advise and trade on your behalf only with the limited authority you grant in writing, and you can see every holding, every trade and every dollar 24/7 through the custodian's portal.
Robo-adancers are excellent at one narrow thing: allocating a portfolio. They can't coordinate your Roth conversion with your CPA, negotiate your parents' long-term-care funding, or talk you out of selling everything in a crash. Algorithms manage money; advisors manage humans. The research says the human part is where most of the value lives.
Any plan, any time, with 30 days' written notice and zero exit penalties. Your documents, plan files and account access remain entirely yours — we'll even help transfer everything to your next advisor or custodian at no charge. Our 98.6% retention rate exists because clients stay by choice, not by lock-in.
Contact Us
Start the conversation.
Questions, second opinions, or a full financial overhaul — every message reaches a named advisor, not a ticket queue.
Call Us(410) 727-8665
Email Usinfo@alphafinancesync.com
Visit Us204 N Hayes St, Moscow, Idaho 83843, USA
Office HoursMon–Fri · 8:00 AM – 6:00 PM PT
Send Us a Message
We reply within one business day — usually much faster.