Alpha Pointe Capital

Client Journey

"The retirement crisis in the United States today is very real."

-Angela Antonelli

Executive Director of Georgetown University’s Center for Retirement Initiatives

Welcome to Alpha Pointe Capital

We know finances can be stressful. The following information is aim to take a little of that stress out of the decision-making process. So, relax and exhale as we share the 5 stages of what to expect when you engage with an Alpha Pointe Capital financial advisor. 

Our Mission is to simply provide 


Investment Management Experience

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Whether your goal is growth, income, or both we will work with you to pursue a long-term wealth-creation strategy designed to turn your goals into reality. Our methodology, Invest in Strength, incorporates over forty years of combined investment experience with a focus on strategic and tactical portfolio allocation. We are your single point of contact dedicated to providing timely communication and exceptional client service.

How to Become an Alpha Pointe Capital Client

INVEST IN STRENGTH

We reveal our low-stress process to help you check the box for engaging a financial advisor to help you feel more accomplished in achieving your retirement success. So, relax and exhale as we share the 5 Stages of what to expect when you engage with an Alpha Pointe Capital financial advisor. Here are a few things to know before we talk.

First, you’re likely looking for a financial advisor because the complexity of your finances has reached a point where you feel uncertain and perhaps overwhelmed by making all of your financial decisions on your own. We help relieve the stresses and anxiety of having to “go it alone” and partner with our clients to help manage their personal finances throughout the year. In our experience, APC clients achieve a sense of progress as we proceed with the investment and retirement plan, even more so when the program is put into action and updated throughout the year.

Here are a few questions we get from prospective clients you might find helpful as you evaluate your decision to hire a financial advisor.

Adult looking the sunset while pondering how to provide his company a 401(k) plan.
Who Are Our Clients?

Currently we are accepting accounts with investable assets of $750k to $25m plus (excluding real estate).

*Special cases such as family members or referrals from trusted sources will be considered.

We specialize in working with individual company leaders and company 401k plans in the Emerging Industries such as Cannabis, Cyber, and Computer Software. People in these industries often have unique challenges and time constraints.

We unfortunately cannot help DIY’s (Do It Yourselfers).

Are We Fiduciaries?

The short answer is Yes! When we act in a portfolio manager capacity, which is the case for our PIM or Private Investment Management accounts.
However, this is not always the case for standard brokerage accounts so check with your financial advisor for clarification over whether or not your accounts are accounts were the advisor is acting as a portfolio manager.

The PIM Program is not appropriate for everyone. Please carefully review the Thurston Springer Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.

How Do We Get Paid?

In our experience we find APC clients prefer to pay for our services on a fee basis rather than by commissions. Our fees are annual fees based on the size of the portfolios (otherwise known as Assets under Management) and these fees are billed out quarterly.

Our fees on average tend to be lower than 1% fee on the assets under management. For example portfolio under Slm will generally be charged 1% of AUM while accounts over $1m receive breakpoints and often see their fees

reduced when their portfolios reach $2m, $5m, $10m, $15, and $25m. Fees will vary based on the size of the portfolio

and the scope of additional wealth management needs. Fees on portfolios over $25m are negotiable.

Fees for Advisory programs include Advisory services, performance measurement, transaction costs, custody services and trading. Fees are based on the assets in the account and are assessed quarterly. There is a minimum fee per calendar quarter to maintain these types of accounts.

What Is The Scope Of Services?

Our fees include:

  • Access To Your APC Financial Advisor & Team
  • Holistic Retirement Planning
  • Customized Portfolio
  • Active Portfolio Management
  • Monitoring of Investment Advisory Portfolios
  • Available to meet with your trusted advisors such as your attorneys and tax professionals

We often assist clients with unique situations and challenges we welcome to navigate such as:

    • Company Stock Options
    • Large Positions of Company Stock
    • Unique Estate Plans
    • Families with Special Needs
How Will We Work Together?

You are our focus. In order to service your overall financial well-being, we ask for discretion for our client’s advisory accounts were we are active portfolio managers. When you, the client is busy with your life and work goals, we too, are navigating the daily grind… Our grind happens to be the fast moving and ever-changing markets so Discretionary Authorization for your accounts allows us to make portfolio investment decisions such as purchases and sales of securities without prior consent.

Additionally, you can expect updates on market shifts, retirement plan progress, require minimum distributions, “Check-ins”, annual reviews, and any other pertinent updates on your overall plan.

5 Steps in the on-boarding process

Step 1

Let's chat so you can get to know us and we can get to know you better. 

Step 2

Information gathering starts once we've decided to work together. 

Step 3

Initial planning starts and involves coordinating and organizing accounts. 

Step 4

Account opening starts once the Initial plan has been approved. 

Step 5

Wealth Management optimizes your experience with us.  

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RETIREMENT HAS MANY PATHS

There are many paths towards an achievable retirement. Our path is one we’ve put into action for over two decades were it has been refined and updated to meet the needs for today’s and tomorrow’s financial landscape. If this path is one you’re comfortable with or if you want to learn more please reach out to:

Jim Gibbons

Email: jim.gibbons@alphapointecap.com

Phone: (410) 402-5414

Be an Alpha Pointe Capital client today. Since no one investment program is appropriate for all types of investors, this information is provided for informational purposes only. We need to review your investment objectives, risk tolerance and liquidity needs before we introduce appropriate investment programs to you.

Not Ready to Connect? No problem. Get a peek behind the curtain and by subscribing to our On Pointe Updates to read more about a variety of wealth topics with a twist.

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We’re an independent practice and provide fee-only fiduciary services for our clients. Our advisors have either their CFP™/CPFA™.