AMI Asset Management - Individual Investor

A “Concierge” Approach to Wealth Management

While our core offering is investment management, we believe a comprehensive financial plan is the foundation for a secure future. We work with individuals, families, and small businesses to build a financial roadmap tailored to your specific needs.

Comprehensive Financial Planning

We believe in simplifying the path to a secure future with clear, high-quality portfolios that you can understand and feel confident in through all market cycles. We help you build and execute a financial plan, addressing key questions like: "At what age can we comfortably retire?" and "Does our estate plan cover all possibilities?"

Coordination with Your Professionals

AMI advisors act as your advocate in all facets of financial planning. We consult with your CPAs, estate attorneys, and insurance brokers to ensure all aspects of your wealth are coordinated. We can also recommend experts in a particular field, all while remaining on your side of the table as your central point of contact.

Focus on Long-Term Goals

We help you navigate critical wealth management issues beyond investments, including retirement planning, tax planning, estate planning, and real estate investing. Our goal is to ensure you have the peace of mind to live the life you've worked hard for, while we handle the day-to-day investment management.

Benefits Beyond Returns

We provide value through professional oversight and tax efficiencies often not captured in a portfolio's gross returns.

Tax Loss Harvesting

Additional after-tax alpha

Professional Oversight

Active risk management vs. autopilot ETF

Dynamic Adjustments

Portfolio optimization in real time during market stress

Example Case Study: Tax Loss Harvesting

Systematic tax loss harvesting can significantly improve after-tax returns. For example, if a client were to take approximately $250K in losses over a two-year period, this could result in savings of approximately $80K in taxes, assuming high tax brackets. This represents a 1% value-add that is not reflected in gross performance metrics.

This tax-efficient approach prevents clients from needing to liquidate additional positions to cover tax liabilities, keeping more capital invested and working while avoiding the negative cycle where tax payments force further asset sales that reduce wealth accumulation.

Other Key Benefits

Stock Gifts

AMI accounts enable clients to gift or donate individual stocks that are targeted for sale or portfolio rebalancing, creating additional tax efficiencies while accomplishing the client's charitable or gifting objectives. This level of flexibility is not available with ETFs, which must be sold as complete units.

Gain Management

When clients request funds, we strive to avoid realizing short-term gains by prioritizing the sale of long-term lots whenever possible. Our process is also designed to minimize wash sales, which helps prevent clients from needing to sell additional equities to cover tax payments.

Other

This includes behavioral guidance during market stress, risk management (monitoring and rebalancing), and sector rotation (dynamic allocation based on market).

Our Continuous Process

We engage in a continuous process that starts with asking the right questions to understand your unique circumstances.

1

Initial Meeting & Discovery

We begin by asking questions to understand your risk tolerance, retirement goals, and comfort level with different investments to build a plan based on your individual circumstances.

2

Analysis & Research

Our team analyzes your financial situation and conducts the necessary research to build a tailored financial roadmap. This includes addressing critical wealth management issues often overlooked.

3

Presentation & Implementation

We present a clear, understandable plan and work with you to implement it. We coordinate with any other professionals you have, or we can recommend experts to assist.

4

Ongoing Review

Life changes. We continuously review your plan and investment strategy to ensure it remains aligned with your long-term goals and adjust for any significant life events.

Financial Planning at Your Fingertips

We use a state-of-the-art financial planning tool to help our clients visualize their financial future and make informed decisions about their wealth.

Visualize your assets and progress towards long-term goals.

Net worth and asset allocation dashboard

Track your net worth, investments, and asset allocation in real time.

View a detailed breakdown of your current holdings by asset class.

We help you answer questions like:

What can I retire with?
Is my spending in line with my objectives?
Can I afford a new house?