A. Description of the Advisory Firm
Accretive Wealth Management, LLC is a Limited Liability Company organized in the
state of California. The firm was formed in April 24, 2012, and the principal owner is
Faraz Sattar.
B. Types of Advisory Services
Accretive Wealth Management, LLC (hereinafter “AWM”) offers investment
management services to clients. Before a portfolio is constructed for a client, AWM
works to discuss with the client’s their investment objectives & goals, timeframe, risk
tolerance level, income needs, return expectations, liquidity needs and much more. After
listening to the clients, AWM will then recommend an investment portfolio.
Investment Advisory Services
AWM offers ongoing portfolio management services based on each client’s need. The
client discussions aids in the selection of a portfolio that matches each client’s specific
situation. Investment Advisory Services include, but are not limited to, the following:
- Investment strategy - Personal investment policy
- Asset allocation - Asset selection
- Risk tolerance - Regular portfolio monitoring
- Business succession - Retirement Planning
- Education Planning - Risk Management
- Gifting
AWM evaluates the current investments of each client with respect to their risk tolerance
levels and time horizon. AWM will request discretionary authority from clients in order
to select securities and execute transactions without permission from the client prior to
each transaction. Risk tolerance levels are documented in the Investment Policy
Statement, which is given to each client.
Pension Consulting Services
AWM uses third party pension administrators for all plans. We use Hicks Pension
Services and Retirement Security Advisor Council.
AWM offers consulting services to pension or other employee benefit plans (including but
not limited to 401(k) plans). Pension consulting may include, but is not limited to:
o identifying investment objectives and restrictions
o providing guidance on various assets classes and investment options
o recommending money managers to manage plan assets in ways designed to
achieve objectives
o monitoring performance of money managers and investment options and making
recommendations
for changes
o recommending other service providers, such as custodians, administrators and
broker-dealers
These services are based on the goals, objectives, demographics, time horizon, and/or risk
tolerance of the plan and its participants.
Selection of Other Advisers
AWM may direct clients to third party money managers. Clients will pay a separate fee
to the third party money managers. The combined fees of AWM and the third party
money managers will not exceed any limit imposed by any regulatory agency. Before
selecting other advisers for clients, AWM will always ensure those other advisers are
properly licensed or registered as an investment adviser.
Services Limited to Specific Types of Investments
AWM primarily limits its investment advice to private placements. However, AWM will
also provide advice regarding mutual funds, equities, bonds, fixed income, debt
securities, ETFs, hedge funds, REITs, insurance products including annuities, and
government securities. AWM may use other securities as well to help diversify a
portfolio when applicable.
C. Client Tailored Services and Client Imposed Restrictions
AWM offers the same suite of services to all of its clients. However, specific client
investments and their implementation are dependent upon the client Investment Policy
Statement which outlines each client’s current situation (income, tax levels, and risk
tolerance levels) and is used to construct a client specific plan to aid in the selection of a
portfolio that matches restrictions, needs, and targets.
Clients may not impose restrictions in investing in certain securities or types of securities
in accordance with their values or beliefs.
D. Wrap Fee Programs
A wrap fee program is an investment program where the investor pays one stated fee that
includes management fees, transaction costs, fund expenses, and any other administrative
fees. AWM does not participate in any wrap fee programs.
E. Amounts Under Management
AWM has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$ 3,001,115.00 $ 229,275,118.00 03/07/2024