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WHAT IS ALPHA FIDUCIARY’S LEGAL AND ORGANIZATIONAL STRUCTURE?

  1. Alpha Fiduciary Wealth Management (hereinafter referred to as "Alpha") exists as a d/b/a of Capital Market Strategies, LLC, a Florida Corporation 
  2. Alpha is an SEC-Registered Investment Advisor and has filed to conduct business in several states where the number of its clients is greater than 5.
  3. Alpha’s President/CEO is Curtis L. Lyman.  Alpha's Chief Investment Officer is Eu-John Wu. Alpha's Chief Compliance Officer is Joanne Robin.
  4. Alpha's offices are located at 11025 RCA Center Drive, Ste. 102, Palm Beach Gardens, Florida  33410. 

 

HOW DOES ALPHA FIDUCIARY SAFEGUARD MY ASSETS?

  1. Alpha Fiduciary Wealth Mangement is an SEC-Registered non-custodial Investment Advisor.  This means that we never touch your assets.
  2. Your assets are held by our custodial partner, Fidelity Investments, the largest broker/dealer in the United States.  For more information, visit www.Fidelity.com.
  3. You have 24/7 access to your custodial account through www.alphafwm.com/clients or directly through www.Fidelity.com.  This allows you to check your account whenever you would like to.
  4. Alpha Fiduciary Wealth Management has policies and procedures it uses to identify how you want your portfolio managed.  We memorialize your desires in a written Investment Policy Statement (IPS) which we review on a regular basis with you.  In addition, we provide state-of-the-art performance measurement reports.  You can review these on a 24/7 basis at www.alphafwm.com.  We also provide a quarterly performance measurement report.  These procedures are designed to keep the Alpha Fiduciary Wealth Management investment team aligned with your desires.

 

IF ALPHA FIDUCIARY WEALTH MANAGEMENT NEVER TOUCHES MY ASSETS, HOW DO I MAKE DEPOSITS AND WITHDRAWALS?

  1. To make Deposits, you can make a check payable to Fidelity Investments and reference your account number on the check and in accompanying correspondence.   You may send that either to Alpha FiduciaryWealth Management, or, better yet, directly to Fidelity’s Operation Center.  We will give you their address.   If you have securities to deposit in your account, we will help you to send them in proper form to Fidelity’s Operation Center.
  2. To  access your account, you have several options.  You can write a check, use a debit card, have us electronically transfer funds directly into your designated checking account, wire funds, or transfer assets out, in kind.

 

WHEN I OPEN AN ACCOUNT WITH ALPHA FIDUCIARY WEALTH MANAGEMENT, WHAT ARE ITS FEATURES AND HOW DOES IT BENEFIT ME?

  1. Our objective is to make your life easier by handling the burden of the management of your financial affairs. 
  2. Your account with Alpha has two components:
    1.   Your Fidelity Account where your assets are held.
    2.    Management of the assets in your account by Alpha.
  3. You benefit from several important features:
    1. Using Alpha’s experience and technology, you design a plan that is designed to optimize your wealth and your life
    2. Alpha's investment process is generally designed to promote portfolio performance that is both predictable and consistent instead of being highly volatile.
      1. We can’t control the direction of the capital markets but we are able to diversify your portfolio so that you have limited exposures to a single investment or a single asset class.
      2. We can make tactical asset class adjustments when we forecast significant economic forces at work.
    3. Alpha's process are designed to provide you with regular communication that is important in identifying whether you are achieving the financial goals that are necessary to optimize life as you want that to be.
    4. Our alliance with Fidelity provides you with several account conveniences:
      1. An automated cash management account to ensure your assets are always invested.
      2. A checking account and/or debit card so that you can access your account whenever and wherever you wish.
      3. Electronic Fund Transfers at no charge through the ACH network.
      4. Account downloads to Quicken and Money.
      5. Electronic storage of trade confirmations, statements, and tax documents so that you can eliminate paper files.
      6. Regular monthly statements and 1099 Tax Reporting.
    5. Alpha provides you with some wonderful, web-based features including:
      1. Secure Document Vault where you can store important documents like Wills, Trusts, Insurance Policies, and other items, for easy access.
      2. Performance Measurement, 24/7
      3. On-line access to your Custodial Account.
      4. Access to our library of financial and lifestyle related articles
      5. Weekly market updates
      6. Web-based access to your life and wealth optimization plan

 

HOW DOES ALPHA FIDUCIARY WEALTH MANAGEMENT STRUCTURE OUR RELATIONSHIP?

  1. Alpha Fiduciary Wealth Management enters into a planning and investment advisory agreement with you.
    1. Alpha only acts in a discretionary capacity on your behalf.
  2. You open the custodial account with Fidelity using documents we prepare for you.
  3. We undertake, with Fidelity, the transfer in of assets that belong to you.
  4. Alpha professionals work with you to design the Life and Wealth Optimization Plan.
  5. Once designed, Alpha, using technical processes designs an asset allocation for you and presents that to you in a written Investment Policy Statement for your approval.
  6. Once approved, Alpha begins the investment process in its role as your investment advisor with your trading authority.
  7. Our relationship is a partnership. Alpha Fiduciary Wealth Management has taken great strides to ensure that our interests are always aligned with yours.

 

 

HOW DOES ALPHA ALIGN ITS INTEREST WITH MINE?

  1. Alpha’s compensation structure, being paid a percentage of the value of your account, drives our behavior.  If the value of the account goes up, Alpha’s revenues go up.  If the value of the account declines, Alpha’s revenues decline and we run the risk that we may lose your business.
  2. We are NOT paid commissions.   Our revenues are purely based on advisory fees from clients to whom we render advice.
  3. We do not receive any incentives from investment product producers, like mutual funds or insurance companies, to sell their products.  This allows us to maintain our independence.
  4. We purchase our own research.  While we receive research from “Sell-side” brokerage firms, we have no agreements to conduct business with them in return for that research.  As well, we are quite skeptical of “Sell-side” or “Street-research” because of those firms’ conflicts of interest.
  5. We have Personal Trading policies in place to ensure that clients receive preferential treatment if personal trades are made at the same time client trades are made.  These transactions are closely monitored by our Compliance Officer and senior staff.