HOW WE HELP YOU

Our goal is to help our clients become or remain financially independent by offering holistic services, from financial planning to investment management, paired with our core beliefs – trust, skill and integrity. We do this in a fee-only, collaborative environment, fine-tuned to each of our clients' individual goals.

American Investment Advisors, Inc. serves its clients as a fiduciary and does not participate in any sales contests or award programs that favor particular vendors or recommend certain products. We are straight-forward with our fees and itemize our fees and expenses in writing.

Investment Management

American Investment Advisors, Inc. investment strategy emphasizes maximum portfolio return consistent with a given level of risk through careful asset allocation utilizing carefully selected and well managed mutual funds.  When selecting your investment options we will help you answer questions including:

  • What is my risk tolerance and how much risk am I taking right now?

  • What is the time horizon of my investments? 

  • What is my current asset allocation with all the things I own?

  • Have I named the proper beneficiaries of my retirement accounts? 

Financial Planning

We use MoneyGuide Elite, a sophisticated planning software, and detailed financial information to make projections that provide insight to questions such as:

  • What is my current net worth?

  • How much will I need at retirement to maintain my lifestyle?

  • When should I take social security?

  • Am I borrowing money most efficiently?

  • How much must I save between now and then to reach that goal?

  • Does long term care make since for me? 

  • What risk will there be that my assets may not be enough to maintain that lifestyle throughout my retirement?

  • What kind of legacy can I leave?

Retirement Plan Management

Once a client has established investment goals, American Investment Advisors, Inc. develops a plan for optimal use of retirement accounts and recommends an appropriate asset allocation. Questions that will be answered include:

  • Is a Roth IRA or a traditional IRA more appropriate?

  • When should I rollover an old 401k into an IRA?

  • Should I pay my mortgage before retirement? 

  • If I am self-employed, should I establish a SIMPLE, a SEP or an individual 401k plan? 

  • How much will I pay in taxes in retirement?

  • Should I take my pension as an annuity of lump sum?

Environmental, Social, Governance (ESG) Investing 

American Investment Advisors, Inc. creates socially responsible and sustainable investment portfolios.  Our ESG model holds funds that reflect the following values and preferences: 

  • Conservation & protection of the environment

    • Air emissions and air quality​

    • Energy use and conservation

    • Natural resources and land se

    • Waste management and water quality

  • Relationships with employees, supplies, clients & communities

    • Labor standards​

    • Production quality and safety

    • Local community impact

    • Equal employment opportunities 

  • Standared for company leadership, risk contr