We begin by creating an Investment Portfolio Statement that includes an asset allocation model that takes into account one’s risk tolerance, time horizon, income requirements, and liquidity requirements.
The process of working together with a client can be outlined as follows:
- Assistance in setting goals to determine appropriate time horizons, investment objectives and amounts needed to accomplish investment goals.
- Analysis of the client’s risk tolerance, current financial situation and prior investment experience.
- Selection of appropriate asset classes & creating an Investment Policy Statement.
- Investment selection utilizing primarily no-load mutual funds, individual debt and equity securities, and separate account managers.
- Ongoing monitoring of fund, securities and manager performance.
- Ongoing portfolio performance analysis.
- Portfolio modifications and reallocation as determined to be advisable for the client’s needs and the applicable market and economic conditions.
- Preparation of client reports.
- Scheduled Face-to-Face meetings on a quarterly basis.
All clients receive a comprehensive quarterly analysis and report, along with a monthly statement from the custodian. Detailed, individual reports are generated in the areas of: investment performance, tax efficiency, portfolio appraisal, current & target asset allocation, cash flow and fixed income reporting. Asset-based fees are charged and as such all decisions are made in the best interest of the client, without fear of conflict of interest.
Contact AdvisorOur associates will assist in selecting the most appropriate retirement plan for the client. Together with specific providers and custodians, Accruemulate Investment Advisors has the resources available to objectively compare, select, establish, monitor and maintain all retirement plans, including:
- Individual IRA, Rollover & Roth IRA Accounts.
- SEP, Simplified Employee Pension Accounts.
- Money Purchase Plans.
- Profit Sharing Plans, including paired plans.
- Defined Benefit Plans.
- 401(k) Plans & 403 (b) Plans Simple 401(k), & Simple IRA plans.
- Preparation of Client Reports.
- Bilingual Support Available for Spanish participants.
Recommendations can be made with regard to selecting qualified and non qualified plans, and asset allocation strategies. We will also review with the client and the client’s CPA, the implications of the minimum distribution requirements; income, estate and excise taxes that are identified. The evaluation continues and will include the appropriate asset allocation for income needs during retirement, coordinated with postmortem disposition and estate planning techniques.
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Accruemulate offers USD loans collateralized by your crypto assets. What does that mean? Well, we give you USD and you give us Bitcoin (BTC), Ether (ETH) , or Litecoin (LTC) as security for repayment. It’s really that simple. Clients can apply for a loan in less than 2 minutes and be funded in USD or GUSD directly into their bank accounts or wallets in as few 90 minutes to 3 days. Cool, right?
Why Take Out a Cryptocurrency Backed Loan?
Many crypto owners have a long-term view of their investments. Although they plan to hold their crypto assets, sometimes circumstances force investors to sell their crypto for USD. Rather than selling, investors can use their cryptocurrencies as collateral towards a cryptocurrency backed loan. This allows them to maintain ownership of their funds while gaining access to the USD they need to fund their projects.
Click here to learn more about collateralized loans using your crypto assets. What Can I Use My Crypto Loan For? Crypto backed loans are one of the most cost-effective and efficient ways to manage your cryptocurrencies when you need access to USD. Accruemulate clients use their loans towards a number of different purposes, including:
Buying a home – traditional lenders will not let you pay for a home with crypto Diversifying investments – lower the risk of your portfolio by diversifying Paying off travel expenses – use your crypto to go on vacation Paying off high-cost debt – refinancing debt from credit cards or student loans Funding a business – access credit for your business using your crypto as collateral.
Applying for a Accruemulate Loan
Clients apply for loans on our website by submitting their request to Accruemulate Funding by inputting their requested loan amount, the kind of crypto they want to stake, and KYC/AML information for identity verification purposes. My Accruemulate does not pull hard or soft checks on client’s credit, so your credit score will not be affected.
The Accruemulate Funding team will then review your application and get back to you within one business day. After approval, you will receive a loan offer. If your application is received within business hours, you can expect a decision within 2 hours. The loan offer will include important information on how your offer was calculated.
Reviewing Your Loan Offer One of the first things you will look at is your interest rate. Accruemulate’s interest rates depend on the loan amount and location. The next thing you will notice is that our offers include an origination fee, which averages around 1-2%. This is also dependent on the applicant’s requested loan amount, credit history, and location. Beyond those, you will see your offer, which is a simple way to show the total price over the course of a year.
Your offer will also include the amount of crypto collateral you will need to stake to receive your loan. The amount of collateral required will vary based on the LTV (Loan To Value) of your loan. A lower LTV will require more cryptocurrency to be posted as collateral, and a higher LTV will require less. Accruemulate offers LTVs up to 25% for loans above $5,000,000 and as low as 10% for Loans below $5,000,000. Based on our extensive risk modeling, we determined that this is a sufficiently conservative rate that helps our clients limit exposure to margin calls when the market faces volatility.
Accepting Your Accruemulate Loan
Once you have reviewed the loan terms, you can accept the offer and send your collateral to Accruemulate’s custodian, Accruemulate Custody. This is a depository trust and licensed custodian with legal liability and insurance requirements for safeguarding deposits. They also have a perfect custody history with no hacks or client fund losses. Click here for more information on how My Accruemulate stores client funds.
New clients will receive a welcome packet with information on how to manage their loan, what to do in the event of a margin call. Loans have different rates. This means you are only required to pay interest over the term, and can repay in full at any time with no prepayment penalties. If you decide to pay off your loan early, you won’t be required to pay interest on the remaining length of the loan.
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