Matawan, NJ Office

Ameritas Advisory Services provides fee-based investment management, financial planning, and a range of retirement-plan advisory services to individuals (including high‑net‑worth clients), corporations, employer‑sponsored retirement plans, and other institutional clients. The firm offers both discretionary and non‑discretionary programs, including wrap and non‑wrap solutions, model portfolios, third‑party subadvisers, and ongoing financial planning and consulting.

Investment services are delivered through a mix of in‑house model portfolios and third‑party managers, with options to manage subaccounts inside fee‑based variable annuities and variable universal life policies on a discretionary basis (the Adviser Managed Variable Products program). The firm’s platform approach includes co‑advisory relationships, managed model series (such as the AIS and Constellation offerings), use of third‑party technology and custody platforms, and programs to manage held‑away retirement assets.

Distinctive features include the firm’s integration with Ameritas affiliates: its broker‑dealer affiliate acts as a municipal securities dealer, municipal advisor and underwriter (a relationship the adviser discloses and restricts to avoid conflicts), and the adviser has affiliations with an affiliated investment adviser that provides institutional and pension services. The adviser also works with financial institutions (including banks and credit unions) and operates programs that interact with bank deposit sweep arrangements and insurer‑issued variable products, arrangements the firm discloses and oversees as potential conflicts of interest.