diff --git a/app/models/coinbase_item.rb b/app/models/coinbase_item.rb
index f67aeb753..6641958e6 100644
--- a/app/models/coinbase_item.rb
+++ b/app/models/coinbase_item.rb
@@ -30,6 +30,7 @@ class CoinbaseItem < ApplicationRecord
   has_many :accounts, through: :coinbase_accounts
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/coinstats_item.rb b/app/models/coinstats_item.rb
index c2c9f51fd..6df76bf70 100644
--- a/app/models/coinstats_item.rb
+++ b/app/models/coinstats_item.rb
@@ -28,6 +28,7 @@ class CoinstatsItem < ApplicationRecord
   has_many :accounts, through: :coinstats_accounts
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/enable_banking_item.rb b/app/models/enable_banking_item.rb
index 7de761bde..d1e8684c9 100644
--- a/app/models/enable_banking_item.rb
+++ b/app/models/enable_banking_item.rb
@@ -23,6 +23,7 @@ class EnableBankingItem < ApplicationRecord
   has_many :accounts, through: :enable_banking_accounts
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/family/syncer.rb b/app/models/family/syncer.rb
index 80d910cc1..858ed9bc4 100644
--- a/app/models/family/syncer.rb
+++ b/app/models/family/syncer.rb
@@ -1,6 +1,25 @@
 class Family::Syncer
   attr_reader :family
 
+  # Registry of item association names that participate in family sync.
+  # Each model must:
+  #   1. Include Syncable
+  #   2. Define a `syncable` scope (items ready for auto-sync)
+  #
+  # To add a new provider: add its association name here.
+  # The model handles its own "ready to sync" logic via the syncable scope.
+  SYNCABLE_ITEM_ASSOCIATIONS = %i[
+    plaid_items
+    simplefin_items
+    lunchflow_items
+    enable_banking_items
+    indexa_capital_items
+    coinbase_items
+    coinstats_items
+    mercury_items
+    snaptrade_items
+  ].freeze
+
   def initialize(family)
     @family = family
   end
@@ -25,7 +44,15 @@ class Family::Syncer
   end
 
   private
+
+    # Collects all syncable items from registered providers + manual accounts.
+    # Each provider model defines its own `syncable` scope that encapsulates
+    # the "ready to sync" business logic (active, configured, etc.)
     def child_syncables
-      family.plaid_items + family.simplefin_items.active + family.lunchflow_items.active + family.enable_banking_items.active + family.indexa_capital_items + family.accounts.manual
+      provider_items = SYNCABLE_ITEM_ASSOCIATIONS.flat_map do |association|
+        family.public_send(association).syncable
+      end
+
+      provider_items + family.accounts.manual
     end
 end
diff --git a/app/models/indexa_capital_item.rb b/app/models/indexa_capital_item.rb
index 8272a256e..ccea401b4 100644
--- a/app/models/indexa_capital_item.rb
+++ b/app/models/indexa_capital_item.rb
@@ -30,6 +30,7 @@ class IndexaCapitalItem < ApplicationRecord
   has_many :accounts, through: :indexa_capital_accounts
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/lunchflow_item.rb b/app/models/lunchflow_item.rb
index 1165ba836..ba9830c6b 100644
--- a/app/models/lunchflow_item.rb
+++ b/app/models/lunchflow_item.rb
@@ -20,6 +20,7 @@ class LunchflowItem < ApplicationRecord
   has_many :accounts, through: :lunchflow_accounts
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/mercury_item.rb b/app/models/mercury_item.rb
index 2c781265a..eb062b2b9 100644
--- a/app/models/mercury_item.rb
+++ b/app/models/mercury_item.rb
@@ -27,6 +27,7 @@ class MercuryItem < ApplicationRecord
   has_many :accounts, through: :mercury_accounts
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/plaid_item.rb b/app/models/plaid_item.rb
index 4ac59d0cf..58e39bae2 100644
--- a/app/models/plaid_item.rb
+++ b/app/models/plaid_item.rb
@@ -23,6 +23,7 @@ class PlaidItem < ApplicationRecord
   has_many :legacy_accounts, through: :plaid_accounts, source: :account
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/simplefin_item.rb b/app/models/simplefin_item.rb
index 253b6098c..4483393f4 100644
--- a/app/models/simplefin_item.rb
+++ b/app/models/simplefin_item.rb
@@ -26,6 +26,7 @@ class SimplefinItem < ApplicationRecord
   has_many :legacy_accounts, through: :simplefin_accounts, source: :account
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  scope :syncable, -> { active }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }
 
diff --git a/app/models/snaptrade_item.rb b/app/models/snaptrade_item.rb
index 0c627d7d3..f99c763f6 100644
--- a/app/models/snaptrade_item.rb
+++ b/app/models/snaptrade_item.rb
@@ -35,6 +35,9 @@ class SnaptradeItem < ApplicationRecord
   has_many :linked_accounts, through: :snaptrade_accounts
 
   scope :active, -> { where(scheduled_for_deletion: false) }
+  # Syncable = active + fully configured (user registered with SnapTrade API)
+  # Items without user registration will fail sync, so exclude them from auto-sync
+  scope :syncable, -> { active.where.not(snaptrade_user_id: [ nil, "" ]).where.not(snaptrade_user_secret: [ nil, "" ]) }
   scope :ordered, -> { order(created_at: :desc) }
   scope :needs_update, -> { where(status: :requires_update) }