Accretive Wealth Partners

Accretive is a fee-only firm, compensated solely by its clients. It receives no commissions, referral fees, or third-party payments. The firm charges an asset-based advisory fee with a $5,000 annual minimum, and it has built a voluntary Client Alignment Program fee waiver that passes economies of scale back to clients as assets grow (per the firm).

The firm's current custody relationship is with Charles Schwab. Accretive does not custody any client assets directly, which separates the advisory function from asset safekeeping and is standard practice for independent RIAs of its size (per the firm).

Accretive targets households with aggregate account values of $1 million or greater. For investment management services, the firm applies a $5,000 minimum annual advisory fee. This threshold effectively screens for high-net-worth families seeking a comprehensive wealth-management relationship, not a transaction-based brokerage account (per the firm).

Yes. The firm states it is obligated to act in the best interest of its clients, which is the core fiduciary standard. It highlights that not all private wealth management firms hold themselves to this standard, and that its fee-only, independent structure helps minimize conflicts that could undermine fiduciary impartiality (per the firm).

No. Accretive reviews insurance coverages as part of its risk-management service but explicitly does not sell any insurance or collect referral fees. This means the firm can focus on selecting the most efficient risk-management tools without a sales incentive (per the firm).