Accelerate Financial Group

Investment Management &
Retirement Income Solutions

Our Services

• Understanding your priorities
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  Understanding your priorities

  • Personal concerns, values, opportunities
  • Family dynamics
  • Future cash flow needs
  • Risk capacity and tolerance
  • Financial condition and income sources

  

  An easy to use budgeting tool

  • Sync brokerage accounts, IRAs, 401(k)s from any institution
  • Automate expense categorization
  • Create and monitor cash flows with ease
• Detailed action plan
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  Detailed action plan

  • Planning horizon
  • Prioritizing financial goals
  • Cash flow needs and saving requirements
  • Asset allocation and asset tax location
  • Estate & wealth protection Tax plan

  

  Pay of debts sooner

  • Compare different payoff plans.
  • Dial the debt payment up and down.
  • Quantify the impact of different debt pay-off strategies.

  

  Manage tax liability with detailed tax estimate

  • Detailed 1040 projection including Schedules A, B, and D.
  • Show AMT calculation, taxable social security, rental property, and more
• Implementation
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  Implementation

  Can include:

  • Investing
  • Insurance, risk management
  • Estate, trust services

  

  Save on taxes with tax-efficient drawdown strategy and Roth conversions.

  • Compare different drawdown strategies.
  • Factor in Social Security, pensions and other income.
• Engage and review
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  Engage and review

  • Regularly review progress towards goals
  • Stay abreast of environmental risks (economy, markets, tax, political)
  • Refine pan as needed Continually monitor and rebalance as needed

  

  Optimize Social Security

  • Calculate the PIA including delay credits, early penalties, and inflation adjustment.
  • Includes retirement, spousal, survivor, and child benefits.
  • Reflects the annual earnings test, family max adjustment, and government pension offsets.

• Investment objectives
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  Investment objectives

  Each of our clients has an individualized set of personal and financial goals that we aim to help them achieve. While these goals are unique, there are some commonalities  across clients’ investment objectives that serve as a fundamental framework for our approach. These include:

  • Preserve and grow purchasing power
  • Avoid permanent loss of capital
  • Pursue tax efficiency
  • Minimize investment expenses
• Investment Philosophy
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  Investment Philosophy

  With these investment objectives in mind, our decisions are guided by a fundamental set of investment beliefs.

  •  Long-term horizons produce superior returns
  • Asset Allocation is the key driver of risk and return
  • Diversification provides superior risk and return results
• Portfolio Construction
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  Portfolio Construction

  Using these investment beliefs, we translate our clients’ investment objectives into customized portfolios. We implement long-term, diversified investment programs built around a core of quality, U.S. and international developed market equities and high quality fixed income investments. This approach is complemented by a wider range of investments which help to enhance returns and/or dampen downside risk. This broader universe of assets include: emerging market equities, international fixed income, and other specialized asset classes. In total, Accelerate Financial utilizes between 10-16 different assets classes for clients with diversified portfolios.

  Within these varied asset classes, we believe the use of a combination of individual securities, external active managers, and passive vehicles help optimize returns, and minimize expenses and taxes. Unlike many firms, we do not receive any incentives from external investment managers, eliminating real or perceived conflicts in our investment recommendations for clients.

• Transition To TD Ameritrade
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  Transition To TD Ameritrade

  A custodian is a firm that holds (takes custody of) your assets, and provides comprehensive reporting and statements about your holdings and transactions. You’ll also have 24×7 account access through the web-based client portal.

  Accelerate Financial recommends that you establish the account with our custodian, TD Ameritrade Institutional with whom we have a “master account.” This keeps trading and reporting costs to a minimum – we can transact in multiple accounts simultaneously, and access transaction and position data electronically.

  We prepare all necessary paperwork for your signature, and track the account setup and asset movements through to completion. This is usually done electronically and is a convenient process.

  With TD Ameritrade Institutional, we have electronic access to all of our clients’ accounts. We receive direct daily downloads of transaction, position and price information from every one of those accounts. This provides efficiency in monitoring and rebalancing.

  We recognize that some accounts (especially 401(k)s) must be maintained with other custodians. Including the assets from these accounts in the strategic allocation and your financial plan is important.

  We use the Envestnet Yodlee aggregation service to track transaction and balance information for most 401(k) and 403(b) accounts, to include them in our portfolio management and financial planning services. Then we will be able to include the accounts held at other custodians in reporting and rebalancing. We will also advise which allocations to make in these accounts.