AmeriTrust Investment Advisors, Inc. Services
Fee-Only Financial Planning
Fee-only financial planning services allow clients to feel secure that the advice they receive is always objective and in their best interest. AmeriTrust does not receive any commissions, rebates, awards, finder’s fees, bonuses, or other forms of compensation from third parties as a result of our planning recommendations. We are committed to helping our clients reach their financial goals by providing unbiased and objective recommendations. Our clients benefit through improved investment returns, reduced risk, increased financial knowledge, comprehensive retirement and estate planning, and minimized taxes. We provide clients with an analysis and detailed recommendations in the following areas:
- Comprehensive financial planning
- Investment portfolio and asset allocation
- Retirement planning and distribution
- Achieving financial independence
- Charitable giving strategy
- Education planning
- Estate planning and distribution planning
- Wealth management
- Employee and employer plan benefits
- Budgeting & cash management
- Individual income and estate tax planning
- Risk management (including insurance)
Our financial planning process begins with the creation of an individualized plan based on information gathered during our discovery phase with each client. We then implement recommendations made in the initial plan and conduct annual reviews to see what changes (if any) need to be made to the client's plan.
We believe that good financial planning is a continuous process that should be both monitored and updated regularly to remain dynamic. We encourage our clients to share this view, and to that end, we are always available to answer any questions our clients may have on subjects ranging from retirement planning to investment alternatives.
As a Registered Investment Advisor firm, we have the ability to manage your investment portfolio, which may include a mix of individual stocks, mutual funds, bonds, and cash. While we emphasize the journey of long-term financial success, our goal is to meet each client's unique objectives, while reducing the volatility and risks that are inherent to the market. Because each client's goals and situation are unique, all of our relationships begin by exploring your specific investment objectives, along with an agreement about the degree of risk that will be assumed while managing your assets. We help clients translate agreed-upon investment objectives into specific investment guidelines to help increase the value of your assets over time. This includes specifying a mix of equities, fixed-income securities and cash equivalents to meet your financial goals.
Like Warren Buffet once said, "Find outstanding companies at sensible prices.” This too is our goal for individual stock management—to create long-term growth of your portfolio. We emphasize a value-investment approach. We review fundamental components, and employ a disciplined methodology to identify quality companies we believe are undervalued in the market.
We add value to our clients’ holdings of fixed-income securities by utilizing interest rate trend analysis to determine the appropriate average maturity of our fixed-income portfolios within a range of 3-10 years. In addition, we aim to manage an intermediate term portfolio comprised of high-grade government, corporate, and municipal bonds.