American Retirement & Investment Strategies, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
American Retirement & Investment Strategies provides financial planning, consulting, and investment management to individuals, trusts, estates, charitable organizations, corporations and retirement-plan clients, offering both discretionary portfolio management and non‑discretionary guidance for employer-sponsored plans and variable life/annuity allocations. The firm manages client accounts on an AUM basis and also offers fixed-fee and hourly planning engagements.
Investment decisions are grounded in an Investment Policy Statement developed from a documented client profile, with six model portfolios (from Preservation & Income to Growth and an All‑Equity option) and a proprietary equity-only “Dynamic Portfolio” available. ARIS uses a mix of fundamental and technical analysis to allocate primarily among mutual funds, ETFs, individual equities and debt instruments, monitors accounts at least quarterly, and generally does not expect frequent trading.
What is notable relative to peers is that several advisory personnel are licensed insurance agents and, while advisory clients are not required to purchase insurance, the firm permits affiliated agents to recommend insurance products on a fully disclosed commission basis and also advises on allocations within variable annuity/life contracts. The firm discloses that less than half of its revenue comes from non‑fee compensation, maintains certain in‑house specialist credentials (including CFP® and estate/trust designation), and charges an additional 0.30% annual fee for assets allocated to the Dynamic Portfolio.
Client services
Expertise
Fee options
Fixed fees for financial planning generally range from $500 to $1,500
$0+: 0.50% to 1.60% annually for investment management services $0+: 0.15% to 0.75% annually for retirement plan services (e.g., 401k plans) $0+: 0.25% to 0.30% annually for college plan accounts (e.g., 529 plans) $0+: Additional 0.30% annually for Dynamic Portfolio strategy on top of the underlying AUM fee
$150 to $300 per hour for financial planning and consulting services
Account minimum: $100,000 (may be waived at discretion of the firm) Fee-only: Financial Planning and Consulting Fees range from $500 to $1,500 (fixed fees) and/or $150 to $300 per hour (hourly rates), negotiable
Main office
Gloucester MA
Advisors at this office
2
Most active in
Florida · Massachusetts · New Hampshire · Rhode Island
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:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Joseph G
CFP®, Series 66
Gloucester, MA
American Retirement & Investment Strategies, LLC
Joseph Grella is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has been with American Retirement & Investment Strategies, LLC since 2006. In addition to his advisory role, he is an insurance agent and owner of a business that solicits insurance products for clients. American Retirement & Investment Strategies provides financial planning, consulting, and investment management services to individuals, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm employs a combination of fundamental and technical analysis, offers multiple model strategies tailored by equity allocation and risk tolerance, and includes a proprietary Dynamic Portfolio equity strategy.
William Guglielmo D
Series 66
Gloucester, MA
American Retirement & Investment Strategies, LLC
William Guglielmo D'annibale is a financial advisor with American Retirement & Investment Strategies, LLC, holding a Series 66 designation and 20 years of industry experience. He has been with the firm since 2006. In addition to his advisory role, he operates an insurance agency offering various insurance products. American Retirement & Investment Strategies provides financial planning, consulting, and investment management services to individuals, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm employs a documented client profile and Investment Policy Statement to guide investment choices, utilizing a combination of fundamental and technical analysis and a proprietary Dynamic Portfolio equity strategy.
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