American Financial Management, Ltd.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
American Financial Management provides discretionary investment management and financial planning to individual clients (including high‑net‑worth and non‑HNW households) as well as retirement plans and plan sponsors. Services include asset allocation/risk management, a mutual fund/variable annuity sub‑account conversion management service, participant account management for held‑away retirement assets via the Pontera platform, and ERISA 3(21) or 3(38) plan advisory services.
The firm implements client strategies through an individualized process that documents goals and risk tolerance in client profiles or an investment policy statement and uses a mix of analytical methods (fundamental analysis, Modern Portfolio Theory, technical/charting, quantitative and cyclical analysis). Accounts are managed on a discretionary basis with at least quarterly reviews and rebalancing, and clients may impose written restrictions on investment management.
Distinctive features noted in the brochure include affiliated advisors who act as licensed insurance agents and registered representatives and who receive external compensation for insurance and broker‑dealer product sales; the brochure discloses these arrangements and the firm’s mitigation measures for the resulting conflicts. The firm also discloses the use of third‑party promoters and written referral agreements (including paid referrals), relies on a third‑party platform to manage held‑away participant accounts without custody, and states operational choices such as not aggregating trades and not voting client proxies.
Client services
Expertise
Fee options
Financial planning fixed fees: $3,500 for full plan, $2,500 for significant updates; fees are negotiable and may be waived for clients.
Up to 2.0% annually (negotiable flat rate for asset management and ERISA plan services)
Investment Advisor Representatives receive commissions from sales of securities and insurance products separately; these are conflicts of interest mitigated by disclosure.
Main office
See office211 Owings Gate Ct, Suite 302
Owings Mills MD 21117
Advisors at this office
1
Offices (2)
Most active in
Arizona · California · Colorado · Florida · Hawaii · Indiana · Iowa · Kansas · Maryland · Michigan · Minnesota · Missouri · Nebraska · Nevada · New Mexico · New York · Pennsylvania · South Dakota · Tennessee · Texas · Utah · Washington · Wisconsin
Also doing business as
American Financial Management Ltd · American Financial Management, Ltd.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Bradley C
Series 66
Owings Mills, MD
American Financial Management, Ltd.
Bradley Clough is a financial advisor at American Financial Management, Ltd. with seven years of industry experience. He holds a Series 66 designation and has worked at a variety of firms including Janney Montgomery Scott, Purshe Kaplan Sterling Investments, and The Marshall Financial Group. In addition to his advisory role, he is an independent licensed insurance agent. American Financial Management provides discretionary investment management and financial planning services to individual clients, including both high-net-worth and non-high-net-worth households, as well as retirement plans and plan sponsors. The firm employs an individualized investment process combining multiple analytical methods and manages accounts on a discretionary basis with regular reviews and rebalancing.
Howard D
CFP®, Series 63, Series 65
Cedar Falls, IA
American Financial Management, Ltd.
Howard Dobson Jr. is a CFP® professional with 45 years of industry experience. He has been with American Financial Management, Ltd. since 1983 and previously worked at several related firms including American Financial Securities, Inc. and Investors Professional Services Inc. Outside of his advisory work, Dobson is an author and speaker, managing book sales and speaking engagements through a related entity. He is also a member of the Million Dollar Round Table, volunteering on various committees and its charitable foundation. American Financial Management, Ltd. serves individual investors, retirement plans, trusts, and corporate entities by providing discretionary asset allocation, portfolio management, and financial planning services. The firm employs a modern-portfolio approach using multiple analysis methods and offers specialized services such as participant account management through third-party platforms and RIA-to-RIA technology consulting.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")