Alpha Retirement Wealth, LLC

Alpha Retirement Wealth provides discretionary portfolio management and complimentary financial planning to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, and business entities. The firm reports roughly $31.95 million in discretionary assets under management across about 137 client accounts and may engage third‑party managers for certain services such as fixed‑income bond ladders.

Investment advice is tailored using a Riskalyze Investment Policy Statement and implemented with risk‑parity asset allocation models and firm‑developed model portfolios, with ongoing monitoring and rebalancing under discretionary authority. Portfolios primarily use exchange‑traded funds and the firm applies a mix of technical, charting, fundamental, cyclical and modern portfolio theory analyses; clients invested in model portfolios may not be able to restrict specific holdings within those models.

Distinctive features disclosed in the brochure include routine use of third‑party advisers for fixed‑income allocations with fee‑sharing arrangements (including an explicit example involving a third‑party adviser), and a firm requirement to custody client assets on the Charles Schwab institutional platform, which the firm cites as providing research and operational benefits. The firm’s representatives may also act as licensed insurance agents and receive separate commission compensation (disclosed as a potential conflict of interest and estimated to occupy about 10% of related personnel time).