Alignment Financial Group

Alignment Financial Group provides fee-based pension consulting and related fiduciary services to plan sponsors, institutions, and other business entities, and also offers discretionary investment management and comprehensive financial planning to high-net-worth individuals, trusts, and other clients. The firm assists with implementation by recommending third-party money managers, completing account paperwork, and delivering written investment policy statements where appropriate.

The adviser follows a custom, discretionary investment process built around a tactical allocation strategy that seeks to reduce risk and enhance performance, using fundamental, technical and cyclical analysis and a broad set of instruments including equities, fixed income, options and digital assets treated as commodities. For retirement-plan clients the firm conducts detailed evaluations of fiduciary compliance, recordkeeping/TPA services, investment policy and employee communication, then implements and monitors plan-level recommendations.

What is atypical for a single-advisor independent firm is that Alignment acts as an exempt commodity pool operator and as general partner/investment manager of a digital currency pooled vehicle, and it provides portfolio management for pooled vehicles and pension/institutional clients — activities that create additional conflicts and disclosure requirements. The firm also uses performance-based fee arrangements for qualified investors and maintains a substantial pension-assets-under-advisement practice, distinguishing its focus and product mix from many peers.