Empower Your Children with Financial Guidance from AWM&T

Your financial legacy doesn’t end with you — it extends for generations. That’s why AAFMAA Wealth Management & Trust LLC (AWM&T) lets you share a unique benefit with your children and grandchildren. Your eligible family members have access to the same trusted financial guidance that supports your financial well-being and emboldens the journey toward generational wealth.

Helping Your Next Generation Build a Strong Financial Future 

It’s vital to instill financial confidence early for your kids. That’s why we’re available to actively engage with your children and grandchildren — to help them make sound financial decisions, whether they’re just starting their careers or considering working with an advisor in the future.

Through early financial education and strategic guidance, your family members will be empowered to: 

• Make informed investment decisions

• Plan for long-term financial security

• Navigate career and major life milestones with financial confidence

Look Beyond Wealth to Comprehensive Survivor Services

During difficult transitions, your family needs support. AAFMAA Survivor Assistance Services provide the guidance and care your loved ones need in a time of uncertainty. When a Member passes away, AAFMAA Survivor Benefits will step in to assist your surviving spouse and dependents with critical next steps, including:

• Navigating military survivor benefits and financial considerations

• Assisting with claim processing and paperwork

• Ensuring a smooth transition of financial assets

• Providing ongoing support to help maintain financial stability

Frequently Asked Questions

Q: Does my child need military service to qualify?
A: No, your AWM&T Membership automatically provides them with this opportunity.

Q: Is there a qualifying age limit?
A: A dependent child or grandchild is under age 26, and an adult child or grandchild is 26 or older. We have options for both.

Q: Do my children need to live with me to qualify?
A: No, account owners do not need to reside in the same location or household.

Q: Do stepchildren and adopted children qualify?
A: Yes, they are treated the same as biological children.

Q: What if my adult child is married?
A: AWM&T also accepts accounts of spouses of adult children of AAFMAA Members.

Q: What are the account minimums?
A: For dependent children (under 26), there is no per-account minimum. For adult children (26+) who do not qualify on their own, a $50K account minimum applies. For adult children (26+) who qualify alone, a $10K account minimum ($7K for IRAs) applies. The qualifying AAFMAA Member must have $100K under management before additional accounts can be added to their relationship.

Secure Your Family's Future with AWM&T

Encourage your children and grandchildren to build a strong financial foundation. Contact an AWM&T Relationship Manager or call 1-910-307-3500 to discuss how they can start their journey with us today.

About Us

AWM&T was created in 2012 to meet the financial needs of military families. We provide experienced, trustworthy, long-range financial planning, investment management, and trust administration services to support financial independence and security. We aim to be the premier provider of fiduciary services by always working for AAFMAA Members’ best interests.

We are proud to share the mission, vision, and values of AAFMAA, our parent company,  consistently building on the Association’s rich history and tradition to provide Members with a source of compassion, trust, and protection. Through AAFMAA’s long-standing legacy and our financial expertise, AWM&T is honored to provide personalized wealth management services to military families across generations.

© 2025 AAFMAA Wealth Management & Trust LLC. Information provided by AAFMAA Wealth Management & Trust LLC is not intended to be tax or legal advice. Nothing contained in this communication should be interpreted as such. We encourage you to seek guidance from your tax or legal advisor. Past performance does not guarantee future results. Investments are not FDIC or SIPC insured, are not deposits, nor are they insured by, issued by, or guaranteed by obligations of any government agency or any bank, and they involve risk including possible loss of principal. No information provided herein is intended as personal investment advice or financial recommendation and should not be interpreted as such. The information provided reflects the general views of AAFMAA Wealth Management and Trust LLC but may not reflect client recommendations, investment strategies, or performance. Current and future financial environments may not reflect those illustrated here. Views of AAFMAA Wealth Management & Trust LLC may change based on new information or considerations.