Owings Mills, MD Owings Gate Ct Office

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.