American Community Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, and educational seminars. Financial planning was provided to 11–25 clients last fiscal year.
American Community Wealth Management reports 469 clients. They include 244 high-net-worth individuals, 205 individual clients, and 11 corporations and other businesses. Of its assets, 73.4% ($143M across 349 accounts) are managed with discretion; $51.9M across 81 accounts are not. It advised 47 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 44% | 20% |
| High-net-worth individuals | 52% | 71% |
| Pension and profit-sharing plans | 1% | 3% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | 2% | 5% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 205 | $40M | 20.5% | $195K |
| High-net-worth individuals | 244 | $138M | 70.8% | $567K |
| Pension and profit-sharing plans | 5 | $6.42M | 3.3% | $1.28M |
| Charitable organizations | Fewer than 5 | $1.12M | 0.6% | $281K |
| Corporations and other businesses | 11 | $9.5M | 4.9% | $864K |
| Total | 469 | $195M | 100% | — |
- Clients
- 205
- Regulatory AUM
- $40M
- AUM share
- 20.5%
- Avg. per client
- $195K
- Clients
- 244
- Regulatory AUM
- $138M
- AUM share
- 70.8%
- Avg. per client
- $567K
- Clients
- 5
- Regulatory AUM
- $6.42M
- AUM share
- 3.3%
- Avg. per client
- $1.28M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.12M
- AUM share
- 0.6%
- Avg. per client
- $281K
- Clients
- 11
- Regulatory AUM
- $9.5M
- AUM share
- 4.9%
- Avg. per client
- $864K
Total
- Clients
- 469
- Regulatory AUM
- $195M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 47
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
American Community Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- A full written financial plan is a flat fee up to $3,000 or an hourly fee up to $250; fees are negotiable.
- Group retirement plan consulting
- Plan consulting fees will not exceed 1% and are based on plan balances, billed monthly or quarterly in arrears.
American Community Bank & Trust owns 75% or more of American Community Wealth Management and is in turn owned by American Community Financial, Inc. (75% or more). The leadership team of American Community Wealth Management includes President Rick Francois and Chief Compliance Officer John Gillespie. It has 5 employees, 4 of them in advisory roles.
Leadership
- Rick FrancoisPresident/Manager
- John GillespieSenior Vice President/Manager/Chief Compliance Officer
- Andrew HartliebCEO/Manager
- Kevin NoonanManager
Thomas QuinnManager
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 4 in advisory functions
- 4 state-registered reps
- 4 broker-dealer reps
- 4 insurance agents
- Owns 75% or more of American Community Wealth Management, LLC
American Community Bank & Trust
Control person · since April 2008
- Owns 75% or more of American Community Bank & Trust
American Community Financial, Inc.
Control person · since April 2001
American Community Wealth Management’s regulatory assets grew 1.7× from $116M (June 2025) to $195M (March 2026); clients rose from 200 to 469 and employees were 5 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $195M | 469 | 5 | 5 |
| June 2025 | $116M | 200 | 5 | 5 |
Besides its headquarters, American Community Wealth Management has 4 offices, with 5 listed addresses in Illinois.
Illinois · 5 listed addresses
- 381 S. Main Street, Crystal LakeHQ
- 1290 Lake Avenue, Woodstock
- 10101 Route 47, Huntley
- 85 W. Algonquin Road, Arlington Heights
- 1500 South Route 31, McHenry
Contact and registration details
- Legal name
- American Community Wealth Management, LLC
- Headquarters
- 381 S. Main Street, Crystal Lake, IL 60014
- Website
- Not reported
- Phone
- 815-479-9024
- SEC file
- 801-132912
- Structure
- Illinois LLC
- Fiscal year end
- December
American Community Wealth Management uses Fidelity ($195M) as custodian for its separately managed accounts. American Community Wealth Management has custody of $5.26M in client assets for 9 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $195M100%
At year end, American Community Wealth Management’s separately managed accounts were mostly in funds (58%) and stocks (33%).
What the accounts hold
- Stocks33%
- Funds58%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash6%
How many clients does American Community Wealth Management have?
American Community Wealth Management has 469 clients and manages $195 million for them, as of March 2026. They include 244 high-net-worth individuals, 205 individual clients, and 11 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026
What services does American Community Wealth Management offer?
American Community Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does American Community Wealth Management use?
American Community Wealth Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $195M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026
How many financial advisors does American Community Wealth Management have?
American Community Wealth Management has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 4 employees are registered representatives of a broker-dealer and 4 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does American Community Wealth Management invest in?
At the end of its last fiscal year, American Community Wealth Management’s separately managed accounts held 58% registered funds (mutual funds, ETFs, BDCs), 33% exchange-traded equities, 6% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns American Community Wealth Management?
American Community Wealth Management is owned through a trust by American Community Financial, Inc. Its direct owner is American Community Bank & Trust (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 30 March 2026
How does American Community Wealth Management get paid?
American Community Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. 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
How do I contact American Community Wealth Management?
American Community Wealth Management’s main office is at 381 S. Main Street, Crystal Lake, IL 60014. Its phone number is 815-479-9024.