{"url":"https://nivawealth.com/firms/accretive-wealth-management-164341","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/164341","regulatoryAum":290666725,"crd":"164341","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7449620","suffix":null,"lastName":"ANAND","firstName":"TEJPARTAB","middleName":"SINGH"},{"crd":"2953616","suffix":null,"lastName":"SATTAR","firstName":"FARAZ","middleName":null}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-19","regulatoryAum":150002339,"clients":220,"employees":3,"offices":1},{"filedOn":"2022-01-28","regulatoryAum":179898320,"clients":173,"employees":4,"offices":1},{"filedOn":"2023-03-14","regulatoryAum":197839666,"clients":182,"employees":4,"offices":1},{"filedOn":"2024-03-13","regulatoryAum":232276233,"clients":229,"employees":4,"offices":1},{"filedOn":"2025-03-27","regulatoryAum":267046033,"clients":548,"employees":4,"offices":1},{"filedOn":"2026-06-08","regulatoryAum":290666725,"clients":220,"employees":4,"offices":1}],"secFileNumber":"801-118792","legalName":"Accretive Wealth Management, LLC","displayName":"Accretive Wealth Management","slug":"accretive-wealth-management-164341","website":"https://accretivewealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/3067017/","xUrl":"https://twitter.com/accretivewealth","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"12657 Alcosta Boulevard, Suite 150","city":"San Ramon","state":"CA","stateName":"California","country":"United States","postalCode":"94583"},"tradeNames":[],"registration":{"secApproved":"26 May 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":null,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":290666725,"discretionary":6883000,"discretionaryAccounts":32,"nonDiscretionary":283783725,"nonDiscretionaryAccounts":345,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":4,"fewerThan5":true,"regulatoryAum":242244},{"label":"High-net-worth individuals","clients":177,"regulatoryAum":224416007},{"label":"Pension and profit-sharing plans","clients":20,"regulatoryAum":36334456},{"label":"Charitable organizations","clients":8,"regulatoryAum":10495759},{"label":"Corporations and other businesses","clients":11,"regulatoryAum":19178259}],"feePrograms":[{"role":"main","program":"Investment Advisory Services","feeBasis":"whole_balance","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032646","versionId":1032646,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-30","documentName":"ADV FORM 2A","fee_rate_low":1,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial plans are a fixed fee of up to $10,000, negotiable, with the schedule attached to the financial planning agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032646","versionId":1032646,"submittedOn":"2026-03-30","documentName":"ADV FORM 2A"},{"role":"other","program":"Pension Consulting Services","summary":"Pension consulting is billed at up to 1.00% of the plan assets the firm consults on, and the fees are negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032646","versionId":1032646,"submittedOn":"2026-03-30","documentName":"ADV FORM 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:44:27.309617+00:00","documents":[{"name":"ADV FORM 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032646","versionId":1032646,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Equity Trust Company","shortName":"Equity Trust","location":"Westlake, OH","smaAssets":43756000},{"name":"Inspira Financial","shortName":"Inspira Financial","location":"Oak Brook, IL","smaAssets":41235000},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":41350000}],"custodyNote":"Accretive Wealth Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Faraz Sattar","title":"Managing Member/Chief Compliance Officer","crd":"2953616"},{"name":"Sadaf Sattar","title":"Owner","crd":"6258725"}],"ownership":[{"label":"Faraz Sattar","detail":"Managing member/chief compliance officer in the 25% to 50% ownership band and a control person, since May 2012."},{"label":"Sadaf Sattar","detail":"Owner in the 25% to 50% ownership band, since June 2013."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"12657 Alcosta Boulevard, Suite 150","city":"San Ramon","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"925-365-1533","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"Non-exchange-traded equity securities","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":2},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":82},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"8 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/164341/PDF/164341.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032646","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Accretive Wealth Management have?","answer":"Accretive Wealth Management has 220 clients and manages $291 million for them, as of June 2026. They include 177 high-net-worth individuals, 20 pension and profit-sharing plans, and 11 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 8 June 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Accretive Wealth Management offer?","answer":"Accretive Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Accretive Wealth Management charge?","answer":"Accretive Wealth Management charges 1.00% a year for its Investment Advisory Services. The whole portfolio is charged at the rate of its band. The fee is billed in arrears and is negotiable.","source":"ADV FORM 2A, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Accretive Wealth Management use?","answer":"Accretive Wealth Management’s separately managed account assets are held at Equity Trust Company (Westlake, OH), with $43.8M, Charles Schwab & Co., Inc. (Westlake, TX), with $41.4M and Inspira Financial (Oak Brook, IL), with $41.2M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 8 June 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Accretive Wealth Management have?","answer":"Accretive Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Accretive Wealth Management invest in?","answer":"At the end of its last fiscal year, Accretive Wealth Management’s separately managed accounts held 82% pooled vehicles (private funds and similar), 6% cash and equivalents, 5% exchange-traded equities, 5% non-exchange-traded equities and 2% registered funds (mutual funds, ETFs, BDCs).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Accretive Wealth Management?","answer":"Accretive Wealth Management’s direct owners are Faraz Sattar and Sadaf Sattar, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 8 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Accretive Wealth Management get paid?","answer":"Accretive Wealth Management is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Accretive Wealth Management?","answer":"Accretive Wealth Management’s main office is at 12657 Alcosta Boulevard, Suite 150, San Ramon, CA 94583. Its phone number is 925-365-1533. Its website is accretivewealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 8 June 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}