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HOW INDIVIDUALS BENEFIT FROM A RELATIONSHIP WITH AM&M
At AM&M, we listen to our clients’ needs. We represent their goals and objectives, and offer the services they require to meet their financial goals.
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AM&M's core business is providing independent financial advice to people who wish to take charge of their financial lives, and improve the likelihood of achieving their financial life goals by consistently making wise decisions. | |
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| Our services provide value to the lives of our clients. Clients receive peace of mind knowing that a professional is helping them manage their finances and their future. AM&M helps them to make more informed, confident and timely choices about their financial future. The consequence of this is a higher probability of achieving the client’s life objectives, whatever they may be.
Our clients also save time in their personal life, which allows them to spend it as they wish. Whether they are financial do-it-yourselfers, or trying to coordinate an endless list of financial service providers, they are spending more time addressing their financial issues than is necessary in their busy schedules. By engaging AM&M to become their "personal CFO," they will save valuable time, and simplify their lives in the process.
Additionally, because of AM&M's relationship-first approach to financial planning, our clients feel comfortable with their AM&M service provider, and reduce the time and worry about their choice of advisor. Simply put, they sleep better knowing we are there for them.
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AM&M has long believed that an individual's tax situation is an integral part of his or her overall financial picture. Through good financial planning, a person can project and plan for his or her tax liabilities, and work to reduce them within the constraints of the tax law. | |
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In order to do so, we have taken the approach that having a fully staffed tax department who handles tax compliance, projections, and research is of great benefit to our clients. Taxes are not a three-month assignment in the wintertime. Rather, they are a financial reality that needs attention year-round in order to best minimize the tax burden come April 15th.Our tax department of Certified Public Accountants and Enrolled Agents stand ready to provide real-time advice and counsel to our clients, and prepare their tax returns when compliance time comes. It is the security of knowing your tax advisor is available and working in close coordination with your financial advisor that our clients find most attractive.
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AM&M has been in the business of wealth management and preservation for over twenty-five years. It is our fundamental belief that through diversification we can help our clients mitigate much of the risk of investing. By using our multi-manager, multi-investment style, multi-asset class approach, our clients experience a return on their investment that accurately reflects their ability to tolerate risk, supported by a process that utilizes the best research and tools available. | |
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| Our services offer clients the security of knowing their investment decisions are made in coordination with their entire financial plan, and that investments will be allocated based on their entire portfolio of investments, not just the ones we manage. This all-inclusive approach to investment decision-making provides the client with the comfort of knowing that all information pertaining to their investments and tax planning has been considered in the recommendations they are receiving.
Though not exclusive to one mutual fund family or investment approach, AM&M is one of a select few organizations that participates in the Frank Russell Company's advisor network. This relationship allows AM&M to access Russell's leading manager research and use their proprietary set of no-load, institutionally priced mutual funds and separate accounts managers to meet our clients’ needs and expectations. By coordinating these tools with our internal expertise in the area of investment management, AM&M provides an investment approach that is tailored to meet the needs of our wealth management clients.
To receive a copy of quarterly investment analysis please enter e-mail address below:
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A majority of closely held and family-owned businesses will change hands within the next five years; but most business owners have not taken active steps to transition out of ownership. Business owners are always challenged by the process of converting the “bricks and mortar” assets of their company to financial assets capable of fulfilling their financial objectives. Transferring their successful business interests to active family members, employees or to an outsider is often considered but is fraught with complexities. Business owners are simply too busy working in their businesses to be working on it – at least until now. AM&M's succession planning services provide comprehensive evaluation of succession alternatives for a business that is coordinated with the owners’ financial plan.
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AM&M’s proven system provides business owners with a definitive succession plan based on the owners’ financial resource requirements and their desire for the future of the business. We maintain an extensive resource library of books, journals and periodic newsletters on this topic. Please contact us to take advantage of these informative materials.
To receive a copy of our complimentary book entitled “Succession Planning”, please enter your mailing address in the form below:
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For our individual clients and families of significant wealth, we offer a comprehensive, integrated planning and wealth management service. From asset management, tax planning and philanthropy to concierge services such as bill paying, a team of skilled professionals from across AM&M’s core services will serve as a dedicated family office for clients with these specific needs.
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Our team of experts will provide the following customized financial services according to our clients’ requirements, including:
- Portfolio management
- Tax planning and compliance
- Wealth transfer strategies
- Business succession
- Family partnerships
- Family philanthropy and wealth education
- Budget and cash flow management
- Trusteeship
- Risk management
- Administrative services
- Executive Stock Trading Plans
The family office platform provides wealthy families and individuals with a high degree of confidentiality, financial integration and group purchasing power. Combined with our independent, fee-based approach, these clients enjoy a level of service not available from larger, product-driven financial institutions.
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Unlike most services organizations, AM&M owns a fully registered NASD Broker Dealer. This allows us to customize a brokerage relationship to our clients who have securities in brokerage accounts. With our entire brokerage operations team on-site, we have the ability to make a clients’ experience in dealing with their brokerage investments painless. Our clearing relationship with National Financial Services (a division of Fidelity) allows us to provide our clients with cutting-edge technology and account service.
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AM&M has been providing insurance solutions to clients since its formation. AM&M has established a relationship with M Financial Group, a corporation formed by a group of the largest insurance producers in the country. This affiliation provides proprietary products and preferred pricing on insurance transactions for AM&M's clients, thereby giving them access to the best coverages and prices available. The insurance products available to AM&M's clients through this relationship include life, disability, and long-term care insurance, group insurance as well as corporate-owned life insurance (COLI), bank-owned life insurance (BOLI), and premium financing arrangements.
As discussed, AM&M Financial Services, Inc. is a member of M Financial Group. Please go to www.mfin.com and click on "Disclosure Statement" at the bottom of the home page for further details regarding this relationship. | |
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Planning for your family’s future well-being often means making long-range financial decisions today. AM&M’s professional experts can guide you and your family through estate planning issues and offer strategies that can help secure your family’s financial future for years to come.
Whether the need is a trustee for an irrevocable/revocable living or testamentary trust, executor assignment in a will, or a place to custody funds so that upon death the clients have someone to turn to help manage the estate, AM&M can help.
Trust services are provided through Tompkins Investment Services, a division of Tompkins Trust Company. | |
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Implementing and running a private charitable foundation or other planned giving program can be one of life’s most rewarding experiences--a chance not only to make a real difference in the community--but also to practice philanthropy with personal signature and control. | |
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| However, it can also be a daunting task. For many philanthropists, what begins as a positive endeavor focused on giving can often end up as a time-consuming chore. Regulations, paperwork and IRS filings can leave the well-intentioned donor frustrated, over-burdened and wondering why the task of giving is so difficult.
AM&M’s philanthropic consulting provides a simple and intelligent way to manage private foundations and other charitable giving vehicles to better meet their intended charitable, tax, and legacy planning needs. AM&M is a trusted leader in charitable giving solutions. Our experienced team is dedicated to assisting philanthropic clients develop a system that matches their desire to give, and administer the program into the future.
AM&M can help simplify the process, as follows:
- We work with your legal counsel to establish your private foundation within 3 business days.
- We offer an integrated platform that houses your financial, investment and charitable records in one place. We provide efficient transaction processing, integrated record keeping, and coordinated tax preparation and investment management.
- We provide compliance support, such as tracking the annual foundation distribution requirements on a 24-7 basis.
- We provide verification of an organization’s charitable status.
- We provide investment management solutions and performance reporting that replicate the investment process followed by the world’s largest foundations.
AM&M is making available a booklet that summarizes 10 common situations encountered in the daily administration of hundreds of private foundations, ranging in size from large to small.
For founders and directors, this information is provided to make you more aware of some of the factors that govern private foundations. It is not intended as a substitute for legal, tax or investment advice. Nor should it be construed as a comprehensive guide to foundation rules.
To get your complimentary copy, please call 585-248-0050, 800-444-6640 or e-mail your request to customerservice@ammfinancial.com.
Private foundation services are one of the many specialized consulting services available through AM&M Financial Services. To find out more about how AM&M can assist you and your family in the creation, management, preservation and gifting of wealth, please contact us today.
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©2010 AM&M Financial Services, Inc. All rights reserved. |
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