<![CDATA[
<p> </p>
<p><a href="http://ammfinancial.com/pages/f_core.asp">Core Competencies</a></p>
<p><a href="http://ammfinancial.com/pages/f_phil.htm">Philosophy</a> </p>
<p><a href="http://ammfinancial.com/pages/f_client.htm">Client Tools</a></p>
<p><a href="http://ammfinancial.com/pages/f_news.htm">Current News</a></p>
<p><a href="http://ammfinancial.com/pages/f_who.htm">Who We Are</a></p>
<p><a href="http://ammfinancial.com/pages/f_contact.htm">Contact Us</a></p>
<p> </p>
<p>AM&M, a registered investment advisor since 1977, can help clients map
their financial future. Since we are independent advisors, we are not captive
to syndicated products or bound to insurance companies, banks, securities firms,
or other financial institutions. <br>
<br>
<br>
Every relationship is guided by the highest ethical standards and complete confidentiality.
Our certified advisors cultivate relationships based on personal trust and respect.
In deciding the right course for our clients, we never subordinate honesty and
candor to personal gain or advantage.<br>
<br>
<br>
Our clients can be assured of our complete competence. Our professional staff
has attained and continually maintains the highest level of knowledge and skill
required to provide guidance and advice of superior quality.<br>
<br>
<br>
Every AM&M client receives service in a prompt, thorough and professional
manner, with diligent planning and a focus on your interests at all times. We
understand the importance of our services to the financial well-being of our
corporate clients and their employees and families. <br>
<br>
<br>
<br>
At AM&M, our investment philosophy begins with the belief that asset allocation
matters most in overall performance, and that diversification is achieved through
multiple asset classes, multiple styles of management, and multiple institutional
investment managers’ approach to investing. </p>
<p>Since asset classes, investment styles, and individual manager’s performance
rise and fall over market cycles, clients can benefit by having several of the
world's top institutional money managers servicing your portfolio. In this way,
performance is not tied to the fate of any single investment strategy.</p>
<p>Great care is given to the weight of the stocks, bonds and other asset classes
in a portfolio. This enables clients to work toward their objectives without
exposing them to more risk than they can comfortably accept. We believe that
asset allocation matters and is more important than stock selection, market
timing, or other decisions.<br>
<br>
<br>
<br>
<br>
AM&M is committed to providing nothing short of the best client service
available in today’s marketplace. Our commitment to quality is reflected
in every aspect of our operations. We believe that our clients should have an
advocate in their financial planner, not a salesperson. That is why, every member
of our client services staff is a salaried professional. Their compensation
is not directly tied to product sales, nor are they issued quotas for meeting
production goals. Their focus is on providing high quality service and financial
expertise to our clients.</p>
<p>We are very proud of our recent registration to the ISO 9002 standards as set
by the International Standards Board. We are the first company in our field
to accomplish this prestigious status, which is recognized internationally as
the unified quality systems standard. We are also re-examined every six months
to not only assure the quality system is still active, but that it is improving
</p>
<p><br>
<br>
<br>
<br>
<br>
The most unique aspect of our company is the breadth of knowledge that we have,
and consequently bring to our clients. Because our client service professionals
are salaried, they are willing to bring in an expert in any field at any time
to help on a case without fear of losing compensation. This breeds a true team
spirit that is unrivaled in our industry. The synergies created among our team
of experts add value and depth to the service we provide our clients. </p>
<p><br>
<br>
<br>
<br>
<br>
While technology plays an important role in the delivery of our services, our
company is routed in personal relationships. It is the comfort of knowing that
there is someone there by your side to help you make positive choices in your
lives that is the true value we bring to the table. It is our belief that technology
does not produce our planning services, it is a tool that when used effectively
can enhance our ability to service our clients.</p>
<p>There are certain technologies that AM&M incorporates that improve the
AM&M client experience. Financial planning software has evolved to allow
practitioners to model cases in hundreds of different ways, with hundreds of
different inputs. One example of that is Monte Carlo simulation, which allows
the client to see worst-case and best-case scenarios projected over long periods
of time. We also have incorporated consolidated statement technology that gives
our clients the potential to receive one statement for all of their investment
accounts, with consolidated performance and position-reporting capabilities.
To be able to reduce the volume of paper work our clients receive, while at
the same time improving the usefulness of the reports is a true win for our
clients.</p>
<p>Our website utilizes state-of-the-art technology to allow for secured communication
between our clients and our staff. We believe confidentiality of client information
is of utmost importance, and have designed our website to be both interactive
and safe. We offer our clients electronic access to their investment accounts,
communications, and even their financial plans, tax and legal documents if desired.
It is all aimed at providing the most seamless and useable service to our clients;
using whatever media they choose.<br>
<br>
<br>
<br>
<br>
We believe that communicating with our clients is one of the most important
aspects of any relationship. We remain in touch with you to provide you with
constant access to information and documents.</p>
<p>Face-To-Face Meetings<br>
Our philosophy is that there is no better way to converse with our clients than
by meeting with them personally. That is why we encourage periodic meetings
with our clients to update information, and ensure that we are meeting their
needs.</p>
<p>Newsletter<br>
AM&M provides a periodic newsletter to our clients and contacts, which includes
pertinent, timely information. We believe in educating our clients on the current
financial issues facing them, so they may make informed decisions. Please contact
us to be added to our newsletter mailings.</p>
<p>Website<br>
Our new website, provides an additional line of communication to our clients.
We now offer online service to our clients. Accessing this section of the website
will allow you to view both current and archived reports created specifically
for you, in a password-protected, encrypted environment. </p>
<p>E-Mail<br>
AM&M embraces technology, and uses it to provide only the highest quality
services to our clients. With the popularity of e-mail, we have been able to
contact our clients on real-time basis, making our services even more beneficial.</p>
<p>Custom Reports<br>
Transaction, performance and appraisal reports are generated on a fiscal or
calendar quarter basis to coincide with the client’s reporting requirements
and preferences. Transaction confirmations are mailed each time withdrawals
or deposits are made. We provide quarterly newsletters that are educational,
not product specific and address current salaried issues facing all investors.</p>
<p>
<body>
<p> </p>
<p><a href="http://ammfinancial.com/pages/f_core.asp">Core Competencies</a></p>
<p><a href="http://ammfinancial.com/pages/f_phil.htm">Philosophy</a> </p>
<p><a href="http://ammfinancial.com/pages/f_client.htm">Client Tools</a></p>
<p><a href="http://ammfinancial.com/pages/f_news.htm">Current News</a></p>
<p><a href="http://ammfinancial.com/pages/f_who.htm">Who We Are</a></p>
<p><a href="http://ammfinancial.com/pages/f_contact.htm">Contact Us</a></p>
<p> </p>
<p>AM&M, a registered investment advisor since 1977, can help clients map
their financial future. Since we are independent advisors, we are not captive
to syndicated products or bound to insurance companies, banks, securities firms,
or other financial institutions. <br>
<br>
<br>
Every relationship is guided by the highest ethical standards and complete confidentiality.
Our certified advisors cultivate relationships based on personal trust and respect.
In deciding the right course for our clients, we never subordinate honesty and
candor to personal gain or advantage.<br>
<br>
<br>
Our clients can be assured of our complete competence. Our professional staff
has attained and continually maintains the highest level of knowledge and skill
required to provide guidance and advice of superior quality.<br>
<br>
<br>
Every AM&M client receives service in a prompt, thorough and professional
manner, with diligent planning and a focus on your interests at all times. We
understand the importance of our services to the financial well-being of our
corporate clients and their employees and families. <br>
<br>
<br>
<br>
At AM&M, our investment philosophy begins with the belief that asset allocation
matters most in overall performance, and that diversification is achieved through
multiple asset classes, multiple styles of management, and multiple institutional
investment managers’ approach to investing. </p>
<p>Since asset classes, investment styles, and individual manager’s performance
rise and fall over market cycles, clients can benefit by having several of the
world's top institutional money managers servicing your portfolio. In this way,
performance is not tied to the fate of any single investment strategy.</p>
<p>Great care is given to the weight of the stocks, bonds and other asset classes
in a portfolio. This enables clients to work toward their objectives without
exposing them to more risk than they can comfortably accept. We believe that
asset allocation matters and is more important than stock selection, market
timing, or other decisions.<br>
<br>
<br>
<br>
<br>
AM&M is committed to providing nothing short of the best client service
available in today’s marketplace. Our commitment to quality is reflected
in every aspect of our operations. We believe that our clients should have an
advocate in their financial planner, not a salesperson. That is why, every member
of our client services staff is a salaried professional. Their compensation
is not directly tied to product sales, nor are they issued quotas for meeting
production goals. Their focus is on providing high quality service and financial
expertise to our clients.</p>
<p>We are very proud of our recent registration to the ISO 9002 standards as set
by the International Standards Board. We are the first company in our field
to accomplish this prestigious status, which is recognized internationally as
the unified quality systems standard. We are also re-examined every six months
to not only assure the quality system is still active, but that it is improving
</p>
<p><br>
<br>
<br>
<br>
<br>
The most unique aspect of our company is the breadth of knowledge that we have,
and consequently bring to our clients. Because our client service professionals
are salaried, they are willing to bring in an expert in any field at any time
to help on a case without fear of losing compensation. This breeds a true team
spirit that is unrivaled in our industry. The synergies created among our team
of experts add value and depth to the service we provide our clients. </p>
<p><br>
<br>
<br>
<br>
<br>
While technology plays an important role in the delivery of our services, our
company is routed in personal relationships. It is the comfort of knowing that
there is someone there by your side to help you make positive choices in your
lives that is the true value we bring to the table. It is our belief that technology
does not produce our planning services, it is a tool that when used effectively
can enhance our ability to service our clients.</p>
<p>There are certain technologies that AM&M incorporates that improve the
AM&M client experience. Financial planning software has evolved to allow
practitioners to model cases in hundreds of different ways, with hundreds of
different inputs. One example of that is Monte Carlo simulation, which allows
the client to see worst-case and best-case scenarios projected over long periods
of time. We also have incorporated consolidated statement technology that gives
our clients the potential to receive one statement for all of their investment
accounts, with consolidated performance and position-reporting capabilities.
To be able to reduce the volume of paper work our clients receive, while at
the same time improving the usefulness of the reports is a true win for our
clients.</p>
<p>Our website utilizes state-of-the-art technology to allow for secured communication
between our clients and our staff. We believe confidentiality of client information
is of utmost importance, and have designed our website to be both interactive
and safe. We offer our clients electronic access to their investment accounts,
communications, and even their financial plans, tax and legal documents if desired.
It is all aimed at providing the most seamless and useable service to our clients;
using whatever media they choose.<br>
<br>
<br>
<br>
<br>
We believe that communicating with our clients is one of the most important
aspects of any relationship. We remain in touch with you to provide you with
constant access to information and documents.</p>
<p>Face-To-Face Meetings<br>
Our philosophy is that there is no better way to converse with our clients than
by meeting with them personally. That is why we encourage periodic meetings
with our clients to update information, and ensure that we are meeting their
needs.</p>
<p>Newsletter<br>
AM&M provides a periodic newsletter to our clients and contacts, which includes
pertinent, timely information. We believe in educating our clients on the current
financial issues facing them, so they may make informed decisions. Please contact
us to be added to our newsletter mailings.</p>
<p>Website<br>
Our new website, provides an additional line of communication to our clients.
We now offer online service to our clients. Accessing this section of the website
will allow you to view both current and archived reports created specifically
for you, in a password-protected, encrypted environment. </p>
<p>E-Mail<br>
AM&M embraces technology, and uses it to provide only the highest quality
services to our clients. With the popularity of e-mail, we have been able to
contact our clients on real-time basis, making our services even more beneficial.</p>
<p>Custom Reports<br>
Transaction, performance and appraisal reports are generated on a fiscal or
calendar quarter basis to coincide with the client’s reporting requirements
and preferences. Transaction confirmations are mailed each time withdrawals
or deposits are made. We provide quarterly newsletters that are educational,
not product specific and address current salaried issues facing all investors.</p>
<p>
</body>]]>