Alpha Retirement Wealth was Founded and Registered with the State of California as a Registered Investment Advisory in January of 2016. Matt Curtis and Colbey Philbin founded the firm on three simple beliefs based on their opinions, after being in the industry for years. Those beliefs are; (1) most people have the same or a very similar investment portfolio despite varying risk tolerances, most commonly, mutual funds (2) most people are overpaying in fees and costs for a lack of value, again commonly this is seen in the use of mutual funds and (3) finally, very few people actually have a true written retirement plan or any transparency. Alpha sets out to change what we believe to be the ‘status quo’ in the industry.