AM&M, a registered investment advisor since 1977, can help clients map their financial future. Since we are independent advisors, we are not captive to syndicated products or bound to insurance companies, banks, securities firms, or other financial institutions.

At AM&M, our investment philosophy begins with the belief that asset allocation matters most in overall performance, and that diversification is achieved through multiple asset classes, multiple styles of management, and multiple institutional investment managers’ approach to investing.

Since asset classes, investment styles, and individual manager’s performance rise and fall over market cycles, clients can benefit by having several of the world's top institutional money managers servicing your portfolio. In this way, performance is not tied to the fate of any single investment strategy.

Great care is given to the weight of the stocks, bonds and other asset classes in a portfolio. This enables clients to work toward their objectives without exposing them to more risk than they can comfortably accept. We believe that asset allocation matters and is more important than stock selection, market timing, or other decisions.

AM&M is committed to providing nothing short of the best client service available in today’s marketplace. Our commitment to quality is reflected in every aspect of our operations. We believe that our clients should have an advocate in their financial planner, not a salesperson. That is why every member of our client services staff is a salaried professional. Their compensation is not directly tied to product sales, nor are they issued quotas for meeting production goals. Their focus is on providing high quality service and financial expertise to our clients.

We are very proud of our recent registration to the ISO 9002 standards as set by the International Standards Board. We are the first company in our field to accomplish this prestigious status, which is recognized internationally as the unified quality systems standard. We are also re-examined every six months to not only assure the quality system is still active, but that it is improving.

The most unique aspect of our company is the breadth of knowledge that we have, and consequently bring to our clients. Because our client service professionals are salaried, they are willing to bring in an expert in any field at any time to help on a case without fear of losing compensation. This breeds a true team spirit that is unrivaled in our industry. The synergies created among our team of experts add value and depth to the service we provide our clients.

While technology plays an important role in the delivery of our services, our company is rooted in personal relationships. It is the comfort of knowing there is someone by your side to help you make positive choices in your lives. This is the true value we bring to the table. It is our belief that technology does not produce our planning services. Rather, it is a tool that, when used effectively, can enhance our ability to service our clients.

There are certain technologies that AM&M incorporates that improve the AM&M client experience. Financial planning software has evolved to allow practitioners to model cases in hundreds of different ways, with hundreds of different inputs. One example of that is Monte Carlo simulation, which allows the client to see worst-case and best-case scenarios projected over long periods of time. We also have incorporated consolidated statement technology that gives our clients the potential to receive one statement for all of their investment accounts, with consolidated performance and position-reporting capabilities. To be able to reduce the volume of paper work our clients receive, while at the same time improving the usefulness of the reports, is a true win-win for our clients.

Our website utilizes state-of-the-art technology to allow for secured communication between our clients and our staff. We believe confidentiality of client information is of utmost importance, and have designed our website to be both interactive and safe. We offer our clients electronic access to their investment accounts and communications that are sent, as well as their financial plans, tax and legal documents if desired. It is all aimed at providing the most seamless and useable service to our clients; using whatever media they choose.

We believe that communicating with our clients is one of the most important aspects of any relationship. We remain in touch with you to provide you with constant access to information and documents.

Face-To-Face Meetings
Our philosophy is that there is no better way to converse with our clients than by meeting with them personally. That is why we encourage periodic meetings with our clients to update information, and ensure that we are meeting their needs.

Website
Our new website provides an additional line of communication to our clients. We now offer online service to our clients. Accessing this section of the website will allow you to view both current and archived reports created specifically for you, in a password-protected, encrypted environment.

E-Mail
AM&M embraces technology and uses it to provide only the highest quality services to our clients. With the popularity of e-mail, we have been able to contact our clients on real-time basis making our services even more beneficial.

Custom Reports
Transaction, performance and appraisal reports are generated on a fiscal or calendar quarter basis to coincide with the client’s reporting requirements and preferences. Transaction confirmations are mailed each time withdrawals or deposits are made. We provide quarterly newsletters that are educational, not product specific, and address current salaried issues facing all investors.