The Smarter Way to Grow Your Cash
Winford Wealth's managed cash account that goes beyond traditional and high yield savings accounts — allocating your idle dollars into high-quality, short-term bonds through money market funds, personalized for your taxes and goals. Included with Winford subscriptions or available on its own.
*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.
Unlock the Full Potential of Your Cash
Put your cash on autopilot, knowing it's being dynamically managed for optimal post-tax returns. Included with all Winford subscriptions or a la carte for 0.18% of assets per year.
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 dyanmic, 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.