We want you to make good financial decisions, so we created the resources here to help you understand our wealth management services and philosophy. Don’t see the answers you are looking for? Email us at mailto:wealthmanagement@aafmaa.com.

AWM&T is a state-chartered trust company that provides financial planning, investment management and trust services to the American Armed Forces, whether active duty, retired or honorably discharged veterans.

We are wholly owned by AAFMAA and, like our parent, AWM&T is a not-for-profit, tax-exempt organization. We only serve military clients and promise you that you’ll always have a personal contact with us – never a call center.

Accounts do not have to be trusts to receive investment management services.  We provide investment management for both taxable and non-taxable (IRA, SEP, SIMPLE, Solo 401K, Roth) investment accounts.

Yes.  Financial planning is offered separately from investment management or trust services.

AWM&T is a fee only financial planner and investment manager.  We do not charge commissions.  We believe this eliminates the inherent conflict of interest that exists if you use a broker who is compensated by selling commission based products.

Comprehensive financial planning is offered at a flat fee.  Investment management and trust services are charged an annual fee based upon a percentage of assets under management.  Our fee structure is posted at https://wealth.aafmaa.com/Investment-Management.

We have a fiduciary obligation to place our clients’ interests first, ahead of our own, for all accounts and situations, not just retirement accounts.

All client assets are held by an independent custodian.  Your money is never commingled with the assets of AWM&T or AAFMAA.  Our custodian, Northern Trust, currently has custody of over $6.1 trillion in assets.  In addition, AWM&T has full insurance coverage and the backing of AAFMAA.

No.  We cannot practice law and cannot draft any documents for you.  We would be pleased to provide recommendations for counsel.

Please call us at 910-307-3500 for our Fayetteville NC office, 703-707-8020 for our Reston VA office or 407-636-8112 for our Winter Park FL office or toll free at 800-522-5221.  Our email address is wealthmanagement@aafmaa.com.

**This communication is not a covered opinion as defined in Circular 230 and is limited to the Federal tax issues addressed herein. Additional issues may exist that affect the Federal tax treatment of the transaction. The communication was not intended or written to be used, or relied upon, by the taxpayer, to avoid federal tax penalties.