● Registration pending · Accepting founding conversations
Save daily. Pay down debt daily. Dollar-cost average into the market every single day. Most people plan money by the month and spend the month wondering where it went. We break your income and your obligations down to one honest daily number — and then put that number to work before you get a chance to talk yourself out of it.
Summit County, Colorado · Independent · Fiduciary · Fee-only
Find your daily number
A day of your life costs $128. Everything above that is yours to put to work.
Your daily savings, invested every day for 30 years, split into what you put in and what it earned. Adjust anything above and this moves with it.
The S&P 500's actual compound annual return, 1928–2024 with dividends reinvested, was about 10.2%. Drag to test other assumptions.
Out of your pocket, over 30 years.
Hypothetical, at the rate set above.
The same figure after 3% average inflation — what it would actually buy.
Hypothetical illustration, not a projection, a promise, or the performance of any actual portfolio. It assumes an unchanging contribution and a perfectly constant annual return — neither of which happens. Real markets deliver this average through years that look nothing like it, including deep losses. Figures exclude all fees, trading costs and taxes, including our own advisory fee, each of which reduces what you keep. Past performance does not indicate future results.
Who this is for
Both conversations start the same way — with what you actually have, not with a product.
You're not behind, you're early. Nobody ever showed you the mechanics, the account types are alphabet soup, and every article assumes you already have a brokerage open. If your income moves with the season, most of that advice was never written for you anyway. We start at the beginning, we don't skip steps, and we don't make you feel slow for asking.
Maybe it's an old 401(k), a Robinhood account, and a fund your uncle recommended. It's probably fine. It's also probably three versions of the same bet with a name you didn't choose. We'll show you what's actually in there — free, before you commit to anything.
Why daily
Daily cadence isn't about squeezing out extra return. It's about removing every moment where you get to talk yourself out of it — especially the ones that come when the market is down.
A monthly transfer is twelve decisions a year, each competing with whatever else came up that month. A daily standing instruction is a decision you make once.
"Forty-nine dollars a day" is a number you can hold in your head at the counter. "Fifteen hundred a month" is an abstraction you'll agree to and then quietly miss.
Markets fall, and that's when people sell. A daily contribution is small enough that a down day reads as a better price instead of a mistake.
Daily DCA is a discipline, not a market-timing edge, and we won't pretend otherwise. You cannot invest a paycheck you haven't earned yet, so the real question was never "all at once or spread out" — it's whether income gets invested at all, consistently, including in the years it feels wrong to. Dollar-cost averaging does not assure a profit or protect against loss in a declining market. What a daily cadence does is make the plan small enough, and automatic enough, that you keep it.
● No cost, no obligation, 30 minutes
Answer a few questions so we can prepare, then pick a time that works. You'll leave the call with your number whether or not you ever become a client.
The method
Three moves and seven steps. None of it is clever. All of it is the difference between compounding for thirty years and starting over twice.
The three moves
The order is the whole point — step two is not optional and it is not simultaneous.
Take-home pay and every fixed obligation you actually have — rent, insurance, the car, the subscriptions you forgot about — divided by the days in the month. What comes out the other side is one number: what a day of your life costs, and what a day of your life can spare. Not a spending cap you'll resent. A floor you know is true.
A balance costing you 22% a year is a guaranteed negative return sitting on your balance sheet. There is no portfolio that reliably beats simply not paying that. So the daily surplus goes there — highest rate first — until the expensive debt is gone. This is the least exciting part of the method and the part that does the most work.
Rate first. Not balance size, not emotion.Once the expensive debt is retired, the same daily number keeps moving — into a diversified portfolio built for your situation, on a standing daily schedule. You already proved you could live without that money. Now it compounds instead of servicing a card. The habit doesn't change; only the destination does.
Try it
Rough it out in ten seconds. We'll do the real version together, line by line, in your first meeting.
Everything you're already committed to, spread evenly across the month.
Expensive debt first, then into the market — every day, on a standing instruction.
Worth knowing. It's also the number a retirement account can shift in your favor.
Hypothetical and for illustration only. Uses a 30.4-day month and assumes no variable spending. It is not a recommendation, a projection, or personalized advice, and your actual figures will differ.
Your daily savings, invested every day for 30 years, split into what you put in and what it earned. Same math, drawn out.
The S&P 500's actual compound annual return, 1928–2024 with dividends reinvested, was about 10.2%. Drag to test other assumptions.
Out of your pocket, over 30 years.
Hypothetical, at the rate set above.
The same figure after 3% average inflation — what it would actually buy.
Hypothetical illustration, not a projection, a promise, or the performance of any actual portfolio. It assumes an unchanging contribution and a perfectly constant annual return — neither of which happens. Real markets deliver this average through years that look nothing like it, including deep losses. Figures exclude all fees, trading costs and taxes, including our own advisory fee, each of which reduces what you keep. Past performance does not indicate future results.
The order of operations
Each step opens the next. Skipping one doesn't get you there faster — it puts you back at the step you skipped, later, with less.
Before optimizing coffee, look at the biggest lever you own. A raise, a promotion, a switch of employer, a credential, a second income — one 15% raise moves more money than a decade of cutting expenses, and it compounds into every step below it. Most advice starts at step two. That's a mistake.
Next when You know what your work is worth in today's market.A small buffer goes first, not last. Without it, the first blown transmission goes straight back onto the credit card and undoes four months of progress. It isn't the safety net yet. It's the thing that keeps the payoff from unwinding.
Next when One month of essential expenses sits in cash.Highest rate first, always — not smallest balance, not whichever one bothers you most. Every dollar here earns a guaranteed return equal to the rate you stop paying. There is no investment in the world that offers that with a guarantee attached.
Next when Nothing expensive is left on the balance sheet.Six months of expenses, liquid, same-day accessible, earning something while it sits. This is the least exciting account you will ever open and the one that makes everything after it possible. We size it from your actual daily number — variable income and single-earner households usually need more.
Next when Six months of expenses are funded and untouched.Broad, low-cost, globally diversified, bought on a daily schedule. This is the part that does almost all of the compounding, and it should be so boring that you forget it's running. This step never ends — everything below is an addition to it, never a replacement for it.
Next when The core is substantial and automatic. [our default: ~$100k]A sleeve of cash parked in a short-term Treasury bill fund — earning a yield while it waits, settling fast, and ready to buy when prices fall. It's the difference between watching a decline and being able to do something about it. Which fund, and how big the sleeve, is a decision we make against your plan.
Next when You have a funded sleeve you haven't spent.If you want to pick names, this is where it belongs: on top of the core, never instead of it. Our caps for the stock-picking sleeve are no more than 5% in any single company and no more than 20% concentrated in any one sector — and only in businesses you could explain to a friend without opening a browser tab.
Then Rebalance back to the caps whenever a winner outgrows them.When the market falls you want to be a buyer, not a seller.
The only thing that decides which one you are is whether you need money that month. Someone with six months of cash sees a decline as inventory going on sale. Someone without it sees a bill due and sells into the exact weakness everyone else is buying. Same market, same day, opposite outcome — and the difference was settled months earlier, in a savings account, before anything went wrong.
Step seven, in depth
Not from information — you will never beat a hedge fund to a headline. From conviction and a time horizon nobody can force you off of.
The only individual stocks that belong in your account are businesses you understand well enough to want the discount. You use the product. You work in the industry. You believe in where they're going over ten years, not ten weeks. If a 40% drop would make you sell, you never had conviction — you had a position. If a 40% drop makes you want to buy more, that's the one asymmetry an individual actually holds over an institution: nobody can make you sell at the bottom.
You can't control what a company earns or what the market pays for it. You can control what you paid. So a conviction position gets built the same way everything else here does — deliberately, in pieces, over time, with dry powder held back specifically so a decline is something you can act on. One impulsive purchase at the top is the whole thesis wasted, no matter how right you turn out to be about the business.
Build the position. Don't take it in one bite.The conviction sleeve sits on top of the diversified core, never instead of it. The daily purchase into broad ETFs keeps running the entire time — through your best idea and through your worst one. Caps stay in force: no more than 5% in any single company, no more than 20% in any one sector. When a winner outgrows the cap, that's a good problem, and you trim it back.
Most individual stock picking underperforms a plain index fund, and that includes picking done by professionals. Conviction is not a guarantee of anything — a company you love and understand can still be a bad investment, and being right about the product does not make you right about the price. This is why the sleeve is capped, why it comes last, and why the boring core is the part we actually build your plan around.
● Thirty minutes, no cost
Most people are further along than they think in one place and further behind in another. That's the first thing we sort out.
Free portfolio review
Send your holdings and we'll show you the concentration you didn't choose — at no cost, before you commit to anything, and with no pitch at the end unless you ask for one.
The problem
Three numbers that describe most American portfolios right now — including the ones built entirely from low-cost index funds.
One sector out of eleven. The next largest is Financials at 12.3%.
Nine of those ten are technology businesses. 500 names, ten decisions.
Own only US funds and you've skipped over a third of the world's public companies.
Technology highlighted; every other sector in gray. Hover any segment for its weight.
Sector weights and top-10 weight as of 28 Aug 2026, from published S&P 500 index composition data; US share of global equity market capitalization from the iShares MSCI ACWI ETF geographic exposure, same date. Segments may not sum to 100% due to rounding. Index composition changes continuously — figures are a snapshot, not a forecast, and not a recommendation to buy or sell anything.
Overlap you can't see — three funds holding the same ten companies. Concentration you never decided on. Exposures missing entirely. Money in the wrong account type. And whether any of it matches the risk you can actually sit through.
International and emerging markets, small-cap and value, real assets like commodities, precious metals and bitcoin — the last of these sized deliberately and small, for reasons we set out below. Whether any belongs in your plan is a separate question we answer together.
None of this is a market call. We are not predicting that technology will underperform or that any other asset class will do better — nobody knows that, and anyone who tells you otherwise is selling something. The point is narrower and more useful: most people are carrying a concentrated bet they never consciously made, and a risk you chose on purpose is a completely different thing from one you inherited by accident.
Real assets
We think it belongs in the conversation alongside gold. We also think almost everyone sizes it wrong — in both directions.
Gold earns nothing, produces nothing, and pays no dividend. People hold it anyway, because it's scarce and because its value isn't driven by the same things that drive corporate earnings. Bitcoin is held for a version of that same argument — fixed supply, no issuer, and drivers largely unrelated to the equity market. That's why it belongs in the real-assets conversation rather than the tech-stock one.
This is where most people get it wrong, and it's arithmetic rather than opinion. Equal dollar weights are not equal risk weights. BlackRock's analysis of a standard 60/40 portfolio found a 1% bitcoin position contributes about 2% of total portfolio risk, a 2% position about 5%, and a 4% position roughly 14% — the risk contribution climbs far faster than the allocation does, because the volatility is in a different league from gold's. So a position that feels conservative at a typical gold weight can quietly become one of the largest risk exposures you own.
Size it to the risk it contributes, not to the number that sounds small.BlackRock — the largest asset manager in the world, not a crypto firm — puts the reasonable range at 1–2% of a multi-asset portfolio, and we think that's a sensible starting frame. Held that way it's a real position that can matter without being the thing that decides your retirement. And it gets rebalanced like anything else: when it runs, you trim it back, which is the discipline almost nobody manages on their own.
Bitcoin has roughly a decade and a half of history against gold's several thousand, it has repeatedly fallen 70% or more, and its regulatory treatment is still moving. Unlike a diversified equity fund, it can go to zero. Anyone telling you the outcome is settled — in either direction — is guessing with confidence. It is not suitable for everyone, and whether any belongs in your plan depends on your timeline and what you can actually sit through, which is a conversation and not a website's decision.
Risk-contribution figures from BlackRock, “Sizing bitcoin in portfolios,” analysing a 60/40 portfolio. Cited as third-party research, not as our projection, and not a recommendation to buy or sell any asset.
No model portfolios
The same holding can be smart for one person and a mistake for the person sitting next to them. Usually nothing about the investment changed — only who owns it.
What you're actually trying to buy — a house in four years and a retirement in thirty are not the same portfolio. What you can sit through — the honest answer, not the brave one you gave a risk questionnaire. Where you are right now — income, stability, dependents, debt, and how many years of earning are still in front of you.
A 28-year-old with a strong salary generally shouldn't hold a dividend-heavy portfolio in a taxable brokerage account. Not because dividends are bad — because they're taxed every single year whether you wanted the income or not, and at that age you don't want the income, you want the growth. High earners can owe an extra 3.8% on top. Hold the same thing inside a tax-deferred or Roth account and the objection largely disappears.
Same holding. Different account. Different answer.Any website that tells you what percentage to hold in anything is guessing about a person it has never met. We'd rather spend thirty minutes finding out who you are first. The plan comes after the conversation, not before it.
● Free · No obligation
A statement screenshot or a list of tickers is enough to start. You'll get the concentration picture back whether or not you go any further with us.
The Do-Not List
Most financial advice is a list of things to do. This is the other list — the one that does more of the work.
The largest study of its kind tracked every individual who took up day trading in Brazil's equity futures market — the third largest in the world by volume — and stuck with it for at least 300 trading days. Not dabblers. People who committed. The researchers found no evidence that anyone improved with practice.
Entertainment money only — and by entertainment money we mean an amount you'd be equally content setting on fire. The moment a wager is funded by money that could have been compounding, it stops being entertainment. It becomes the most expensive position you hold, and the only one with a negative expected return built into the price.
Our default order of operations is unglamorous: build the diversified core first, and let it get boring. Single names come after — starting small, generally no more than 5% of the portfolio for a new position, and only in a business you could actually explain to someone who asked. A stock you bought because the internet was excited about it isn't a position. It's a mood with a ticker.
Where that line sits for you depends on your situation. We set it together.Before a dollar goes into the market, there's cash in a high-yield savings account you can reach the same day. The common starting point is three to six months of expenses for someone with stable employment, and closer to six to twelve if your income is variable, you're self-employed, or you're the only earner. Money you'll need in eight months isn't invested — it's scheduled to be sold at whatever price that particular week happens to offer.
Your number depends on your job, your dependents, and your fixed costs.Nobody does this reliably — not the people who do it for a living with better data, faster execution, and more sleep lost to it than you. Waiting for a better entry feels like caution and functions like a fee: every day you sit out is a day the money isn't working. Buy on a schedule and let the schedule make the decision, so you never have to be right about the week.
Since 1980 the S&P 500 has dropped an average of roughly 14% at some point within the year — routinely, including in the good years. It still finished positive in 35 of those 46 years, about three years in four. Declines aren't a signal that something broke. They're the admission price for the returns, collected in advance and at an inconvenient moment.
If you can't say what it holds, what it costs you annually, and how you would get out of it, you don't own it — it owns you. Complexity is where fees live, and the fee is almost never on the page that convinced you. When a product needs a diagram to justify itself, the diagram is the product.
No portfolio reliably outruns a 24% credit card. Paying that balance down is the closest thing to a guaranteed return available to an ordinary investor — available today, requiring no forecast, and better than what any fund manager is permitted to promise you. Retire the expensive debt first. Then the same daily dollars go to work in the market instead.
And one more
These are the defaults we start from, not a prescription for a person we've never met. Where each line lands for you depends on your income, your obligations, your timeline, and what you can actually sleep through. That's a conversation, and it's free.
The Clear Money Calculator
Fill this in and you'll see your daily numbers, whether your safety net is real, and which of the seven steps you're actually standing on. Send it over and your Clear Money Session starts at the solving instead of the gathering.
Monthly averages are fine. Guessing high is better than guessing low.
Highest rate first is how we'll attack it, so the rate matters more than the balance. Leave rows blank if they don't apply.
He'll read it ahead of time, so your hour starts at the answers. Nothing is shared with anyone else.
Next step is picking a time. If anything above surprised you, that's usually the most useful thing to open with.
Educational tool only. It uses a 30.4-day month, treats your figures as steady monthly averages, and makes no assumption about investment returns. It is not personalized investment, tax, or legal advice, it does not account for everything in your situation, and it is not a recommendation to buy, sell, or hold anything. Alpha Digital Advisors LLC is not yet registered and is not offering advisory services.
Working together
Start free, pay a hundred dollars once if you want the plan built, and only pay a percentage if you eventually want it managed. Nobody is pushed up a step.
Pricing
Fee-only. We are paid by you and by nobody else — no commissions, no product kickbacks, no referral fees.
The paid services above are described so you know what to expect, but we cannot accept compensation for investment advice until our Colorado registration is effective. Until then the intro call is genuinely free and stays general. Nothing on this page is an offer of advisory services.
Fees are negotiable and will be described in full in our Form ADV Part 2A, which we deliver before any agreement is signed. Fees shown do not include custodian, fund, or transaction costs charged by third parties.
Questions people ask
If yours isn't here, ask it on the call. We'd rather answer it than have you wonder.
Then you're exactly who the $100 session exists for. A one-time flat fee means the people who need the system most aren't priced out by a percentage of assets they don't have yet. Most of the work that matters happens before a dollar ever reaches the market.
Yes. As a registered investment adviser we are held to a fiduciary standard, which means we're legally obligated to act in your interest — not to recommend something merely because it's defensible. We're also fee-only: we take no commissions and no payments from any product provider, so there's nothing to steer you toward.
On a $250,000 portfolio, 1% is $2,500 a year, billed quarterly in arrears — roughly $625 a quarter. It's a real cost and it compounds against you, which is why the honest answer is that it should buy you more than fund selection. If all you need is a portfolio, you can index yourself for a few basis points and we'll tell you so.
No. Your assets sit at an independent qualified custodian in an account in your name. We're granted permission to manage and to bill, never to withdraw to ourselves. You can log in and see everything, any day, without asking us.
That's the $100 Clear Money Session, and it's a complete product on its own. You get your daily numbers, the debt order and a written summary, and you can walk away and run it yourself forever. A meaningful number of people should do exactly that.
Any time, with no exit fee and no lock-up. Billing is quarterly in arrears, so you're never paying ahead for service you haven't received. Your accounts are yours and stay where they are; we simply come off them.
About
Most advisory firms have an account minimum that quietly excludes anyone who hasn't already made it. This one was started for the other side of that line.
Adam Nix
Why this firm exists. The advice industry is very good at serving people who already have money and nearly useless to everyone else. If you have $40,000 and a car loan, most firms won't return your call, and the free advice you can find is written for someone with a different life. Meanwhile the thing that actually determines how you end up isn't fund selection — it's whether you built a daily habit in your twenties and thirties and kept it.
Why Summit County. A lot of people here don't get paid the way the textbooks assume. Income arrives in seasons — a strong winter, a thin spring, a summer that depends on the weather — and almost every piece of standard financial advice quietly assumes a steady salary landing on the fifteenth and the thirtieth. A daily number handles a variable income far better than a monthly budget does, because it tells you what a good week is actually worth and what a slow one really costs. It's also why the safety net here usually needs to be closer to nine or twelve months than three.
What we do differently. We start at the daily number instead of the portfolio. We tell you when you shouldn't hire us. And we'd rather you leave the first call with a plan you can run alone than sign you into something you don't need.
Stated plainly: the Series 65 is scheduled, not yet passed, and the firm is not yet registered. Neither is claimed as complete anywhere on this site, and no advisory services are being offered until both are.
How we operate
These are not marketing lines. If we break one, tell us and we'll make it right or refund you.
No commissions, no revenue sharing, no referral fees from custodians or fund companies. If we recommend something, the only reason is that we think it's right for you.
If you can't explain your own plan to a friend in a sentence, we haven't finished our job. Complexity that can't be explained is usually complexity that's hiding something.
If your situation is simple enough to run yourself, the right advice is to run it yourself. We'd rather say that on the first call than take a fee for four years of maintenance you didn't need.
● Thirty minutes
Bring your numbers or bring nothing. Either way you'll leave knowing more than when you started.
Book a 1-on-1
Two minutes of questions first so the call isn't spent gathering basics. Then the calendar opens and you choose a slot that works.
What happens next
No sales sequence, no drip campaign. One call, and you decide from there.
Nothing here is a commitment, and we won't add you to a mailing list. It just means the call starts at minute one instead of minute fifteen.
Your answers are on their way. Choose whichever slot suits you and you'll get a calendar invite with the meeting link.
Checking, credit cards, and any brokerage or 401(k). Screenshots are fine. If you don't have them handy, come anyway.
Thirty minutes, on screen, with your real figures. You'll see exactly where the surplus is and what's eating it.
The number and the next step are yours to keep. If working together makes sense we'll say so; if it doesn't, we'll say that too.
Where we can work. We are registering with the Colorado Division of Securities, which means we will be able to take clients in Colorado and, in limited numbers, in a few other states. If you're outside Colorado, still reach out — we'll tell you honestly whether we can help you or point you to someone who can.
We ask for ranges, never account numbers, Social Security numbers, or login credentials — and we will never ask for those by email or text. Your submission is used to prepare for your meeting and is not sold or shared.