Alpha Planning and Financial Services, Inc.

Alpha Planning and Financial Services works primarily with individual clients — including high‑net‑worth households — as well as foundations, charities, and trusts, with a stated focus on retirement investing and income generation. The firm provides discretionary portfolio management across equities, ETFs, mutual funds, private investments and fixed‑income, and also offers standalone financial planning on a fixed‑fee basis separate from its investment management services.

The firm describes a top‑down, macro‑environmental asset allocation process that uses sector rotation and a relative growth/value framework, and it customizes portfolios to client objectives, time horizon and risk tolerance. Alpha Planning leverages third‑party model managers and a platform provider (AE Wealth Management) for portfolio construction, reporting and administrative functions, and it generally exercises discretionary authority to rebalance and trade while allowing clients to impose written restrictions.

Several items in the brochure are less common among similar small supported firms: the firm is the sponsor and manager of a wrap fee program that covers all managed accounts, and the brochure discloses the use of endorsements in advertising. The brochure also notes the firm’s recent conversion from a state‑registered to an SEC‑registered RIA, its adoption of standing letters of authorization (and the SEC’s seven‑condition safeguards) that create deemed custody, and affiliations with an insurance marketing organization and platform provider that affect compensation and service arrangements.