American Money Management LLC is an SEC registered investment advisory firm providing customized financial planning to clients in San Diego County and beyond. Our team of experienced investment professionals are committed to offering independent guidance that keeps your best interests in mind. American Money Management is a trusted, fiduciary advisor; that means we provide independent advice that benefits our clients, rather than brokers, banks, or other parties. American Money Management LLC was founded in 1999 and includes a diverse group of seasoned Certified Financial Planners, Certified Public Accountants, Investment Advisors, and a team of Managing Directors.
American Money Management LLC works with clients from a range of backgrounds including retirees, professionals, business owners, and those preparing for transitions. Our “client first” approach means that we not only act as your trusted fiduciaries, but also provide you with a high level of personalization and accountability in all facets of our relationship. Our investment services include portfolio design, asset allocation, portfolio management, financial consulting, bond strategies, and more. Our state-of-the-art reporting technology allows you to view your investments whenever and wherever you like, and our partnerships with major American institutions ensures a commitment to your peace of mind.
Financial Advisor
A trustworthy financial advisor is key to ensuring you achieve maximum gains on your investment. At American Money Management LLC, our experienced financial advisors take a personalized approach to your customized financial strategy, cash flow analysis, and asset management. Our team starts by understanding what’s most important for you, then builds a financial strategy to meet those goals. As an independent, registered, fiduciary firm, we are committed to providing a strategy that’s designed to bring your gains, rather than allegiance to a particular bank or investment product.
Why Choose a Financial Advisor?
Simply put, the role of a financial advisor is to support their client’s current and future economic well-being. At American Money Management LLC we view financial advising as a way to help you succeed in all areas of your life. Whether you have specific financial concerns or detailed questions about your investment strategy, we encourage you to share your unique perspective. After understanding your needs, we will recommend suitable options and solutions to resolve your concerns and increase your peace of mind. That might include further diversifying your portfolio, investing in bonds, or changing your investment strategy.
After completing our detailed intake process you will be matched with a financial advisor who is committed to understanding your lifestyle and future goals. We’ll review your current saving, spending, and income assets and take time to identify appropriate services for your needs. When working with a financial advisor you’ll have access to a range of customizable services including stock-oriented portfolio strategies, tax-free municipal bond acquisition, financial planning, retirement planning, tax planning, cash flow analysis, and more.
Working with a Financial Advisor
Working with a financial advisor is a collaborative and iterative process. Before creating a tailored investment plan our experienced team will form an in-depth overview of your current assets, goals, and priorities. Our state-of-the-art reporting technology allows you to check in on your plan at any time, ensuring transparency and easy collaboration along the way. Over time our financial advisors may recommend changes in your strategy to reflect current goals or market trends. By meeting with your financial advisor regularly, you’ll benefit from a financial plan that changes along with your life and needs. By choosing an SEC registered, fiduciary financial advisor, you’re ensuring that your profits are prioritized every step of the way. The benefits of working with American Money Management include:
- Access to customized financial guidance
- Broad portfolio diversification options
- Incorporation of specific investor preferences
- Tax-efficient management strategies
- Potential incorporation of alternative assets for qualified candidates
Our knowledgeable financial advisors provide comprehensive asset allocation strategies according to each client’s objectives, preferences, and timeline. By choosing an SEC registered advisor with American Money Management, you’ll have access to reliable guidance as your needs change along with the market. Whether your objective is to grow your assets, develop a long-term balanced investment strategy, or design a tax-free fixed income, a financial advisor can help present a tailored solution that fits your goals. Schedule a complimentary call with our team to learn more about our services.
Financial Planning
American Money Management LLC provides financial planning to a diverse range of clients in San Diego and beyond. As an SEC registered financial planning company, American Money Management LLC is committed to delivering trustworthy, reliable, and informed practical guidance in even the most complicated situations. Our team of in-house Certified Financial Planners (CFPs) are focused on creating customized solutions for each of our clients needs. With more than two decades of experience in the financial planning industry, American Money Management LLC is equipped to offer a balanced, informed approach to asset management. Whether you are opting for a high-growth strategy or seeking a stable wealth management approach to support your retirement, a financial planner can help with your unique needs. At American Money Management LLC we offer a range of financial planning services, including:
- Full-service asset management
- Retirement guidance and 401k planning
- Long-term guidance to support education, property purchases, and other major life events
- Management of assets during a divorce or separation
- Tax-free municipal bond investment strategies
- Estate planning
- Tax planning, and more
Our financial planning services are designed to support you as your needs evolve over the years. Our experienced team works with individuals at all phases of life, from those going through a business transition to couples preparing for retirement. Reliable financial planning services can provide trustworthy, customized financial guidance that’s tailored to your current and future needs. It can also help you reduce liabilities, limit risk, and gather insights on market trends. In fact, by working with a financial planner you may have access to valuable insights that will help you limit capital impairment and improve your results over time. And as a fiduciary firm, our team is committed to transparent and accurate reporting on all of your investments to ensure your peace of mind.
Wealth Management
Wealth management isn’t just about investing in the stock market; it is a comprehensive approach that considers your holistic needs along with a wide range of available tools and strategies. For example, wealth management strategies may involve tax-free municipal bond investments, consideration of specific investment preferences, or the addition of alternative assets. At American Money Management we take an individualized approach to wealth management. By educating our clients on the wide range of options available we promote diverse and high-performing wealth management plans that serve their unique goals.
Our Wealth Management Team
AMM was founded in 1999 with a focus on independent and customized wealth management. As a fiduciary firm we provide independent advice that is tailored to every client account. Our wealth management strategies include both traditional and creative approaches to ensure the right balance of growth and security. Our “client-first” approach to wealth management means that we have a diverse team of professionals on staff. American Money Management LLC offers an impressive team of Certified Public Accountants (CPAs), Certified Financial Planners (CFPs), portfolio managers, investment advisors, and administrative staff. Each member of our team is equipped to drive successful gains as well as outstanding customer satisfaction. Get started by scheduling a complimentary consultation with our team today.
Our Wealth Management Services
Our comprehensive and holistic approach to wealth management means that we don’t just offer expertise in one arena. We provide a range of wealth management services to our clients to meet each of their unique needs, including short-term gains in cash flow and long-term return on investment. Our wealth management services can be tailored to your needs and include:
- Tax guidance and planning
- Estate planning and retirement strategy
- 401k investment strategy
- Dividend growth, stock-oriented portfolio management
- Tax-free municipal bonds
- Financial planning and general guidance
Learn more about our approach to wealth management by booking a complimentary consultation with our team or checking out the latest on our blog.
Retirement Planning
It’s never too early or too late to start planning your financial future. Retirement planning services are appropriate for all of our clients, but may be particularly helpful for those looking to retire within the next five to ten years. By investing in comprehensive, reliable retirement planning you’ll benefit from a diverse range of wealth management strategies that will help you enjoy the golden years. Whether you are mid-way through your career or close to retirement age, our team can create a financially-secure path for your future.
When it comes to retirement planning, there’s no one-size-fits-all approach. Our financial advisors and planners will conduct an in-depth consultation to determine your unique financial, familial, and lifestyle needs. The knowledgeable team at American Money Management offers over two decades of retirement planning experience and can help you maximize your gains while minimizing taxes.
Our retirement strategies are designed to provide a high monthly income. As a result, our retirement planning portfolios may include a higher weighting to dividend-paying stocks, high-yield bonds, floating-rate bonds, preferred stocks, real estate investment trusts (REITs), and other income-oriented assets. Some clients may also benefit from alternative fixed-income instruments including trust deeds and collateralized notes.
When working with each of our clients we ask detailed questions about their goals in retirement. For example, we’ll explore how you picture your lifestyle in retirement, what your known costs will be, as well as the unknown expenses. Our team will discuss personal factors such as family connections, relocations, assisted living options, and personal goals. During your consultation with our advisors you can ask important questions about accessing your retirement savings, social security, inheritance options, estate planning, being prepared for a recession, and tackling inflation. As a fiduciary, SEC registered financial advising firm, AMM is committed to providing reliable retirement planning services to help ensure your financial security for the long-run.
Investment Management
At American Money Management LLC we provide a creative, customized, and reliable approach to investment management. Before building your customized investment strategy we will consider several factors unique to your needs and values. From there, we’ll craft a strategy according to our five core investment principles:
Asset Allocation
We understand that asset allocation is one of the most important decisions when it comes to determining your portfolio’s variation and return. We’ll review a range of broad asset classes and make allocations targets based on your financial condition, goals, and risk tolerance.
Price vs. Return of Investments
The price you pay has a large role in determining your return. In general, the lower the price paid for an investment, the higher your expected return, all else being equal. Our experienced team takes an active approach to investing and only selects options that make economic sense.
Volatility is Not Risk
When building comprehensive investment portfolios we focus less on the risk of investment fluctuation (a near constant in investing) and more on the potential for capital impairment. We work under the market knowledge that real risk is the likelihood of permanent capital loss.
Time is Your Friend, But Returns Are Not Linear
After more than two decades in the financial advising industry we refuse to be influenced by market hype, fear, and the media. We rely on quality research and historical evidence that shows that long term investors have the best opportunity to secure the returns they need.
No One Can Predict the Future
Luckily a crystal ball is not necessary to achieve investment success. Although the future is unknowable, a sound investment strategy that’s focused on balance and long-term growth can help you achieve success.
AMM provides several different investment strategies in alignment with these principles. Depending on your unique needs, your investment strategy may include core stock, tax-free bonds, or more comprehensive asset allocation strategies encompassing a broader array of asset classes.
Tax Planning
Are you searching for the best strategy when it comes to limiting your tax liabilities and receiving a high return on investment for your assets? Our team of financial advisors and financial planners can provide tax planning that’s reflective of your unique tax situation. We understand how complex tax laws can be, especially when it comes to investments, 401ks, and other valuable assets.
Understanding Tax Planning
Tax planning is a service that analyzes all of your assets and liabilities and determines how to minimize the amount of taxes you owe. Both businesses and individuals can benefit from tax planning, and this should be an important part of any comprehensive investment strategy. Tax planning is a critical aspect of ensuring your long-term gains on investment, as well as building a successful retirement strategy. When planning your taxes we will take into account your income, assets, age, location, family, and retirement status. Some other special tax considerations may be applicable depending on your unique situation.
Comprehensive & Customized Tax Planning
Whether you are seeking tax planning as an individual, independent contractor, or retiree, there may be critical strategies to accurately and efficiently minimize your tax liability. Our team provides reliable, trustworthy guidance on the best tax planning strategy for your needs. Our comprehensive tax planning services include annual or quarterly planning, tax-free bond management, tax planning for retirement and 401k, and tax consulting. Our tax planning services are particularly helpful for clients in transition, buying businesses, going through a divorce, or preparing for retirement. Our tax planning services include:
- Consulting on annual or quarterly tax planning
- Tax planning for retirement
- Tax-free bond management planning
- Investment account tax planning support
- Tax guidance on transitional situations like transfer of a business or divorce
Our San Diego Financial Planning Office
American Money Management, LLC is registered with the Securities and Exchange Commision (SEC) as an investment advisor. AMM was founded in 1999 and provides brokerage and investment advisory services to clients across the United States. American Money Management is based in Rancho Santa Fe, San Diego, California. Our team is made up of financial planners, financial advisors, Certified Financial Planners (CFPs), and Certified Public Accountants (CPAs). We work with individuals from diverse backgrounds and provide comprehensive financial and wealth management services.
