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Advisors Capital Management Review

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Advisors Capital Management, LLC

With more than $2.1 billion in assets under management (AUM), Advisors Capital Management is a financial advisor firm with roots in Ridgewood, New Jersey. In fact, the firm places on our list of the top financial advisor firms in the entire state of New Jersey. The firm primarily works with individual investors, but also maintains relationships with other investment advisors, charities and businesses too.

Advisors Capital Management is a fee-based firm, meaning certain advisors may earn commissions through the sale of insurance products. This structure differs from that of a fee-only firm, which earns revenue exclusively from client-paid advisory fees.

Advisors Capital Management Background

Advisors Capital Management first opened its doors back in 1998. The principal owner of the firm is ACM Holding Trust, which is controlled by Charles Lieberman, the chief investment officer (CIO) of the firm. Lieberman has more than 35 years' experience in financial services.

This firm has 19 advisors in its employ. Throughout this group, there are four chartered financial analysts (CFAs).

What Types of Clients Does Advisors Capital Management Accept?

Individuals are the most popular client type at Advisors Capital Management, and more than 3,000 of the firm’s roughly 5,100 clients are individuals below the high-net-worth cutoff. The rest of the firm's client base is comprised high-net-worth individuals, pensions and other retirement plans, corporations and charitable organizations. It also partners with more than 1,000 investment advisors.

Advisors Capital Management Minimum Account Sizes

There are a few different management programs available through Advisors Capital Management, and each has its own minimum account size. These go as follows:

  • ACM Private Accounts: $300,000
  • ACM Model Separate Accounts: $150,000
  • ACM Model Exchange-Traded Fund (ETF) Strategies: $50,000

Services Offered by Advisors Capital Management

The service offerings at Advisors Capital Management include:

  • Discretionary portfolio management
    • ACM Private Accounts
    • ACM Model Separate Accounts
    • ACM Model ETF Strategies
  • Pension consulting services
  • Investment policy statement (IPS) preparation
  • Selection of investment vehicles
  • Monitoring of investment performance
  • Employee communications
  • Financial planning
  • Tax and cash flow analysis
  • Insurance planning
  • Retirement planning
  • Death & disability planning
  • Estate planning

Advisors Capital Management Investing Philosophy

Advisors Capital Management generally constructs client portfolios with a combination of exchange-listed securities, over-the-counter securities, foreign issuers, warrants, corporate debt securities, commercial paper, certificates of deposit (CDs), municipal securities, mutual fund shares, government securities and options contracts. It seeks to diversify these investments across various market sectors to mitigate risk.

The firm has several investment strategies that it uses to guide its management of client portfolios. These include:

  • Global Growth - Emphasizes higher-yielding stocks within a portfolio of niche-focused small-and mid-cap companies.
  • Global Dividend - Invests in companies all over the world that pay dividends.
  • Growth - Invests primarily in common stocks that offer potential growth opportunities.
  • Core Dividend - A portfolio that seeks to balance capital appreciation with current income.
  • Income with Growth - An approach that prioritizes maximizing current income and also seeks capital appreciation.
  • International ADR - Invests primarily in American depository receipts (ADR) around the world that pay dividends.
  • Balanced - Balances equities and fixed income together in one portfolio.
  • Balanced Defensive - Similar to Balanced, but with a portfolio rebalancing strategy based on a proprietary algorithm.
  • Fixed-Income - Invests in fixed income with the goal of capital preservation.
  • Small- & Mid-Cap - Seeks capital appreciation through a portfolio of small- and mid-cap companies.
  • Tactical - Uses a proprietary algorithm to move from concentrated high-beta ETFs or individual securities to lower-beta holdings, based on economic conditions.

Fees Under Advisors Capital Management

Advisors Capital Management typically bases its management fees on a percentage of each client's assets under management (AUM). For the firm’s private accounts, these rates generally range from 1.00% to 1.50% for equity accounts and from 0.50% to 0.70% for fixed-income accounts. The firm's model separate account strategies come with a fee between 1.00% and 1.75%. This is also the case for the firm’s model ETF accounts.

If you're looking for financial planning services, this firm will charge you on an hourly basis. These hourly rates range from $250 to $350, with a minimum total fee of $500.

What to Watch Out For

Advisors Capital Management is a fee-based firm. This is because certain ACM advisors are licensed insurance agents who can earn commissions for selling insurance products. This incentivizes them to recommend such products, which represents a potential conflict of interest. Despite this arrangement, the firm abides by fiduciary duty at all times, legally binding it to act in your best interest no matter what.

Disclosures

Advisors Capital Management has no legal or regulatory disclosures to report in its SEC filings.

Opening an Account With Advisors Capital Management

To contact Advisors Capital Management, you can send an email to info@advisorscenter.com, or you can pick up the phone and call (201) 447-3400. The firm’s website also has a contact form where you can write in your name, email, phone number and a brief message, and a representative from the firm will reach back out to you.

Advisors Capital Management has its home office in Ridgewood, New Jersey at 10 Wilsey Square, near where Godwin Avenue turns into Franklin Avenue.

Tips for Planning for Retirement

  • It can be a daunting task to take on creating a retirement savings plan completely on your own. Financial advisors are often experienced at handling this sort of task, though. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • Don’t forget to take Social Security payments into account when you formulate what kind of income you’ll need in retirement. If you don’t know what you’re in line to receive, check out SmartAsset’s Social Security calculator.

How Many Years $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology To determine how long a $1 million nest egg would cover retirement costs in cities across America, we analyzed data on average expenditures for seniors, cost of living and investment returns.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. This reflects the typical return on a conservative investment portfolio. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research