Building Life Plans, One Client at a Time

Helping You Live Your Life Today While Preparing For the Future …

Welcome to the Accretive Wealth Management Blog.

In this, the first post to our new blog, we’d like to talk a little more personally about some of the principles that went into shaping this website and, more importantly, about our investment management strategy.

Like many of the more forward-looking investment strategy groups today, we do not sell products – whether stocks, bonds, mutual funds, ETFs or more esoteric investments.  Instead, we offer service, providing for our clients’ planning, investment and insurance needs.

We serve a wide range of clients, including:

  • Individuals
  • Families
  • Small businesses (including customized pension planning)
  • Trusts
  • Foundations

We create strategies for small businesses and individuals to help them minimize their taxes. These strategies include:

  • Tax-efficient portfolios
  • Separately managed accounts
  • 401(k) and profit-sharing plans
  • Defined benefit plans
  • Managing closely held stock

After seeking to understand your needs and goals, preferences and aspirations, we provide you with the advice and management that we think will place you on the path you want to be, and help you stay there until you reach yours goals.

As part of that process, we look carefully at all your assets –real estate, collectibles, insurance policies and proceeds from potential business sales – as well as your investment portfolio. Then we take a step back to examine the total picture, help ensure you’re getting what you pay for, and discuss with you any changes that may be in order. This process includes reviewing with you, line by line, the charges you incur for the services you receive and the assets you hold.  When you work with Accretive, you can be confident of complete financial transparency.

Our goal is to coordinate all of your financial services needs, from general financial planning to investment management; from specialized estate and legacy planning to long-term healthcare. Access to unregistered investments – although they carry risks of which you must be aware and are not suitable for every investor – may enable us to allow you to invest as institutional investors do, in private equity, hedge funds and more.

We understand you need to know how your portfolio is performing, which is why we offer you a personalized client website where you will find your aggregated accounts updated daily to provide you with a measure of your net worth

We are also aware that you may well have come to us for Shariah-compliant investments that adhere to the laws and principles of Islamic finance. We have access to such investments through the Aperio Group, a leading socially responsible investment management firm handling billions of dollars for clients. At the same time, we are mindful that investing costs money, so we make every attempt to achieve efficiencies of scale that allow us to reduce cost, while making both fees and your portfolio’s performance as transparent as possible..

If you have not already done so, we hope you will take this opportunity to compare Accretive Wealth to your current advisor – and let us know what you think.

If you’ve found this blog of interest, please share it with a friend or colleague. If you would like to learn more, please check out What We Do video. And, of course, if you have a question about planning, investing or insurance issues, please feel free to post it here … or just give us a call at 925-365-1533 or send us an email at

We look forward to hearing from you – and don’t forget to check back next week for our next installment.

Accretive Wealth