The Smarter Way to Grow Your Cash

A cash account that goes beyond traditional and high yield savings accounts. Banks normally keep a large portion the interest your cash generates. We do things differently, by personalizing how your cash grows: we dynamically allocate your cash across strategic money market funds that are potentially federal or state tax free.

0.04%

Traditional Savings

3.60%

High Yield Savings

4.28%

Generic Money Market Fund

5.19%

AlphaCash*

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*AlphaCash reflects tax-equivalent yield. Yields are dated as of May 29, 2025 and are net of fees, with the exception of fees charged by Winford (0.15% management fee per year). 5.19% reflects the best tax-equivalent rate available to a New York City resident in the highest marginal tax bracket within available AlphaCash investment options (SWYXX). Certain securities may be subject to investment minimums and reduce the available options for a given client. Yields are fluctuating and not guaranteed. 4.28% is the 7-Day SEC yield of SNAXX, the High Yield Savings rate is based on the American Express High Yield Savings Account, and the Traditional Savings rate is based on Diamond Honors Bank of America Consumer savings rate. All rates are as of May 29, 2025. Money market funds are investment products, are not FDIC insured, and are subject to risk of loss.

AlphaCash grows your cash in tax-efficient investments designed to maintain value, remain easily accessible, and provide interest. Because interest rates change daily and everyone's tax profile is different, there's no "right" fund; AlphaCash dynamically moves your money across a select universe of Charles Schwab money market funds with varying tax exemptions to help you earn more.

Unlock the Full Potential of Your Cash

Put your cash on autopilot, knowing it's being dynamically managed for optimal post-tax returns. No hidden fees, just 0.1% of assets per year.

For example, if you earn $500 in interest per year on an account with $10,000, we take $10.

Maximize Your Earnings

Our intelligent system dynamically allocates your cash to high-yield money market accounts. Unlike traditional savings where interest is fully taxed, we aim for competitive returns that you actually keep.

Smart Tax Optimization

We strategically utilize money market funds, which can be exempt from federal, state, and/or city taxes. As prices fluctuate, and you tax situation changes, we move your money to where it has the best chance to flourish.

Fully Automated & Effortless

Enjoy hands-free cash management. Our system monitors yields and reallocates your funds bi-weekly, so your money is always working hard for you.

Personalized For You

Your cash strategy is tailored, taking into account your financial goals and risk profile for optimal performance.

How AlphaCash Works For You

AlphaCash combines advanced technology with personalized strategies to ensure your money is always optimized for both yield and tax efficiency.

Dynamic Allocation Engine

Our proprietary algorithms scan a wide universe of select money market funds to identify attractive options on any given day.

Bi-Weekly Rebalancing

Your portfolio is reviewed and rebalanced bi-weekly to capitalize on changing yields and market conditions, ensuring your cash is always in the optimal place to maximize net returns.

Seamless Fund Movement

Funds are moved securely and efficiently between accounts without any action required from your end. It's sophisticated cash management, simplified.

Why Hasn't This Been Done Before?

Traditional High-Yield Savings Account (HYSA) providers aren't incentivized to offer dynamic, multi-fund allocation. Their business model relies on retaining deposits within their proprietary products. Maximizing your after-tax return across the entire market isn't their primary goal.

Further, the ability to dynamically reallocate cash across a diverse range of money market funds, while considering individual tax situations, has only recently become technologically feasible at scale.

AlphaCash vs. Alternatives

See how AlphaCash stacks up against common ways to hold your cash reserves.

Feature	AlphaCash	Traditional High Yield Savings	Standard Brokerage Cash
Return Potential	Dynamically Selected Yields (Money Market Funds)	Fixed (often variable) APY	Typically Very Low
Tax Optimization	Personalized Tax-Aware Strategies	None	None
Active Management	Weekly Rebalancing & Monitoring	None (Set & Forget)	None
Automation Level	Fully Automated	Manual (Transfers, etc.)	Manual
Advisory Oversight	Integrated with Financial Plan	None	None
Diversification of Underlying Assets	Across Multiple Money Market Instruments	Single Bank/Institution Focus	Typically Single Sweep Option
Fees	Included with Winford Membership**	Typically No Direct Fees	May Have Low/No Fees
Liquidity	High (Often T+1 or T+2) subject to withdrawal requirements	High (ACH Transfers, typically 1-3 days)	High (Often same-day or T+1)

* This comparison is for illustrative purposes. Money market funds are not FDIC insured like traditional bank savings accounts, carry some degree of risk, and are not guaranteed by Winford Wealth. Past performance is not indicative of future results. Please refer to fund prospectuses for more details. Fee structures can vary.

**Certain money market funds charge fees, and we look to best allocate your cash net of fees.

Frequently Asked Questions

Your funds are primarily held in money market funds, which invest in low-risk securities like government bonds. We prioritize the security and safety of your assets, which are held at Charles Schwab. Accounts are SIPC insured, which has a protection limit of $500,000 per customer ($250,000 for cash claims) in case of broker failure, not in the case of investment decline. Unlike traditional bank savings accounts, money market accounts carry some degree of investment risk even though they are designed to maintain their value, and the value is not guaranteed by Winford Wealth.

While HYSAs offer a set interest rate, AlphaCash actively works to maximize your returns by dynamically allocating your funds across various money market accounts. Crucially, we also consider your personal tax situation to optimize your net earnings, considering a universe of funds with tax-advantaged assets.

An AlphaCash account is available for 0.1% of assets per year, with or without a Winford subscription. You can find more details here: pricing page.

Your funds remain liquid and accessible. Withdrawals typically process within [Placeholder: e.g., 1-2 business days], ensuring you can access your cash when you need it. We aim for a balance of high returns and ready availability. In periods of high volatility, withdrawals may be delayed due to fund imposed restrictions.

Returns on money market funds can fluctuate based on market conditions. While we cannot guarantee specific returns, our active management and dynamic allocation strategy are designed to consistently seek out competitive yields, often exceeding those of traditional savings accounts.

Getting started is simple! When you meet with your Winford advisor, they will discuss recommendations for your cash strategy, and implement AlphaCash accordingly.

Ready to Optimize Your Cash?

Unlock higher returns and smarter tax strategies with Winford Wealth. Put your money to work, effortlessly and intelligently.