Managing your finances and your wealth means balancing a wide array of concerns - preserving and growing your assets, managing risk and planning for change. That requires advisors that understand each of these issues and are able to work with you to develop a comprehensive set of solutions.

Wealth Management

Accel Wealth Management, LLC is dedicated to providing a comprehensive, goal-based, wealth management system. As a client of our firm, you benefit from the skill and expertise of our network of advisors managing more than $900 million in assets. As investment advisors, we have a fiduciary responsibility to our clients, at all times, and take that responsibility very seriously.

We believe that our value to you is created by working together to define your goals, quantify them, design a plan to reach them, monitor results and make adjustments along the way. 

Investment Philosophy:

Decisions on structure, implementation and monitoring of the investment strategy will be
influenced by these basic tenets:

  • Investors are risk averse – All investors have some level of aversion to risk. The only acceptable risk is that which is adequately compensated by potential portfolio returns.
  • Diversification – For every risk level there is an optimal combination of asset classes that will maximize returns. A diverse set of asset classes will be selected to manage risk. The proportionality of the mix of asset classes will determine the long-term risk and return characteristics of the investment strategy as a whole.
  • Equity Exposure – Equities offer the potential for higher long-term investment returns than cash or fixed income investments. Equities also tend to have more volatile performance. Equities also tend to have more volatile performance patterns. Investors seeking higher rates of return must increase the proportion of equities in their portfolio, while at the same time accepting greater risk.
  • Fixed Income Exposure – Fixed Income can serve an important role in managing risk in an investment program. Fixed income prices will remain under pressure as bond yields revert toward historical averages. Investors may need to be prepared to hold longer dated bonds until maturity and consider higher yielding bonds subject to rigorous credit analysis.
  • International Exposure – Investing globally can help to minimize overall portfolio risk due to the imperfect correlation between economies of the world. International equities also tend to have more volatile performance patterns than US Equities.
  • Hedging Strategies should be considered – Downside risk can be further reduced by the utilization of hedging strategies such as inverse bond ETF’s to manage interest rate risk and Alternative Asset Classes to manage equity risk

Therefore, the basic underlying investment strategy will be to optimize the risk-return relationship appropriate to your needs and goals using a globally diverse allocation to a variety of asset classes, and reevaluate investment objectives and goals periodically.

Our Process:

Organize

  • Roles & responsibilities of all involved parties (fiduciaries and non-fiduciaries) are defined, documented and acknowledged
  • Investments are managed in accordance with applicable laws, trust documents, and written investment policy statement (IPS)
  • Service agreements and contracts are in writing

Formalize

  • Time horizon & cash flow demands have been identified
  • Risk level has been established
  • An expected modeled return to meet investment objectives has been identified
  • Selected asset classes are consistent with the risk, return and time horizon
  • There is an IPS in place defining implementation and monitoring of the investment strategy

Implement

  • The investment strategy is implemented in compliance with the required level of prudence
  • Our due diligence process is followed in selecting service providers, including the custodian

Monitor

  • Periodic review comparing investment performance against an appropriate index, peer group and IPS objectives
  • Periodic reviews are made of qualitative and/or organizational changes of parties involved
  • Fees for investment managers are reasonable and consistent with agreements and all applicable laws
  • Periodic review of the organization’s effectiveness in meeting its fiduciary responsibilities & performance expectations

It is important to recognize that investment management strategies cannot control or guarantee investment return. Effective investment management strategies can help to mitigate certain types of risk.

Contact us for additional information at (319) 596-1101.