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Military Asset Management

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Personalized military asset management for servicemembers, Veterans, and their families. Built around your goals by the professionals at AAFMAA Wealth Management & Trust (AWM&T).

About Our Military Asset Management Services

What You Get

  • Investment Policy Statement — a written document defining your goals, risk tolerance, and time horizon.
  • Strategic Asset Allocation — matched to your stage of life, military career, and what’s coming after.
  • Portfolio Implementation — across taxable, retirement, and trust accounts, in one coordinated strategy.
  • Tax-Efficient Investing — including tax-loss harvesting and retirement account sequencing.
  • Continuous Monitoring — daily oversight, percentage-based rebalancing, and reporting through Black Diamond.
  • One Fiduciary Roof — coordination with your Financial Planning and Trust Services teams.

Who It’s For

  • Active-Duty Servicemembers — build your foundation while managing deployment income and PCS moves.
  • Veterans — coordinate VA benefits, savings, and investments on your own terms.
  • Military Retirees — align pension, SBP, and savings into one retirement income strategy.
  • Transitioning Servicemembers — translate your benefits into a confident civilian financial start.
  • Surviving Spouses — compassionate, experienced guidance for the funds your loved one left.
We specialize in working with current and former U.S. military servicemembers with an investment minimum of $250K.

Build Your Wealth with Military Investment Management Services

Military couple working with AWM&T Investment Management professionals.Creating a successful investment plan is about more than selecting the right investments; it’s about selecting the right financial partner. With AWM&T, you’ll get a partner who understands the needs of military families like yours and is invested in your financial future.

Whatever your goals, risk tolerance, or time horizon, AWM&T’s investment planning can work with you to develop a personalized investment strategy that builds your wealth. In addition to creating your allocation strategy, we’re here to provide professional wealth management of your investments.

Get started with a complimentary portfolio review.

Speak with a Relationship Manager

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Mon – Fri:
8:30AM to 5:30PM ET

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Who We Are

AWM&T is the premier provider of customized financial solutions for military servicemembers, Veterans, and their families. Our wealth management team empowers you and your family to achieve financial security and independence.

AWM&T is your long-term investment partner. We provide you with the unmatched personal service you deserve and the specialized knowledge you need to succeed.

4 Smart Money Moves for Military Families in Transition

MEET THE TEAM

What Is Our Investment Management Process?

At AWM&T, our investment services are centered around you. Here’s how our process works:

  • 01

    Initial Consultation

    You’ll meet with your dedicated Relationship Manager to discuss your goals, timelines, risk tolerance, tax considerations, and investment preferences.

  • 02

    Customized Plan Development

    Your Relationship Manager collaborates with our military investment professionals to create a personalized investment policy statement and portfolio strategy.

  • 03

    Implementation

    We build and implement your portfolio using strategic asset allocation.

  • 04

    Continuous Management

    Our investment team manages and monitors your investments, making adjustments as necessary to optimize returns.

  • 05

    Regular Reviews

    Your Relationship Manager keeps you informed with performance updates and ongoing adjustments to ensure your portfolio remains aligned with your financial goals.

Your investment portfolio is custom-tailored to your goals and desired future.

Investment Portfolio Strategies

Some of the core portfolio strategies we use include:

  • Equity: Focused on principal appreciation; stock exposure 80-100%
  • Aggressive: Emphasis on principal appreciation with some income; stock exposure 70-90%
  • Growth: Balances principal appreciation with moderate income; stock exposure 50-70%
  • Balanced: Preserves principal purchasing power with moderate income; stock exposure 40-60%
  • Income Growth: Prioritizes income with secondary preservation of principal; stock exposure 20-40%
  • Income: High rate of income with secondary preservation of purchasing power; stock exposure 0-30%
  • All Fixed Income: Generates income with no focus on principal appreciation; fixed income exposure 100%

Our Investment Philosophy

At AWM&T, our investment approach is shaped by three core principles:

  • Proper Asset
    Allocation

    We believe proper asset allocation is the most important factor in determining investment success. Matching your portfolio to your long-term goals, time frame, and risk tolerance is our top priority.

  • Diversification to
    Mitigate Risk

    Diversification strategies are essential to maximizing potential returns at an acceptable level of risk. By carefully dividing your portfolio among asset classes, we help you experience stability and growth.

  • Active
    Management

    Our process uses a combination of actively managed funds and individual stocks and bonds to deliver better risk-adjusted returns. When appropriate, we also use passive index funds for desired asset class exposure.

Rigorous Assessments and Reviews

We conduct a rigorous review process for every investment, continuously monitoring and adjusting your portfolio to optimize performance.

Precisely Calculated Rebalancing

Our percentage-based rebalancing methodology maintains your portfolio’s consistent returns and risk profiles by reallocating assets when specific parameters are met. To see where you stand today, explore our risk assessment tool.

assessments and reviews

Investment Management Costs

The cost of AWM&T’s military investment management services is based on assets under management:

  • 1.00% per annum on the first $500,000
  • 0.80% per annum on the next $500,001 to $2,500,000
  • 0.60% per annum on the next $2,500,001 to $5,000,000
  • 0.40% per annum on the next $5,000,001 to $7,500,000
  • 0.20% per annum on the next $7,500,001 to $10,000,000
  • Fees negotiated on accounts above $10,000,000

Expanded Benefits of Working with AWM&T

Exclusive Tools & Educational Resources

To help you make informed decisions, we provide:

  • Investment Calculators: Plan and project portfolio growth.
  • Educational Blogs and Guides: Deepen your understanding of investment strategies and financial concepts.
  • Personalized Financial Dashboard: Track your progress in real time and stay updated on your portfolio’s performance.

Tax-Efficient Strategies Tailored for Military Families

Military families often face unique tax considerations, from managing pensions to handling survivor benefits. AWM&T offers:

  • Tax-loss harvesting techniques
  • Strategies to maximize retirement account efficiency
  • Guidance on minimizing tax impacts from relocations and military benefits

Life-Stage-Specific Investment Strategies

AWM&T adapts your investment strategy to match your life stage:

  • Active Duty: Focus on flexibility and growth to support relocations and deployment.
  • Transitioning Servicemembers: Emphasize stability and planning for civilian life.
  • Veterans and Retirees: Prioritize income generation and wealth preservation.
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Start Your Military Asset Management Journey Today

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Your investments deserve the same level of excellence and commitment you bring to every mission. At AWM&T, we’re here to help you pursue your financial objectives with confidence.

Contact us today to begin building a strategy that works for you.

MEET THE TEAM

Frequently Asked Questions About Military Asset Management

Unlike your average wealth manager, we already speak the language of retired pay, SBP elections, combat zone tax exclusion, VA disability, and TSP distribution rules.

No, both options can be right. We walk you through whether a rollover serves your plan or whether keeping the TSP intact is the better call.

We specialize in working with current and former U.S. military servicemembers with an investment minimum of $250,000 for ongoing asset management. A $3,500 standalone financial plan is available.

No, AWM&T’s services are open to all current and former U.S. military servicemembers and their families. You don’t need to hold an AAFMAA insurance policy or any other AAFMAA product to work with AWM&T.

We hold liquidity through the pay-gap window, model your new compensation, reassess insurance as SGLI ends, and re-risk the portfolio once civilian income stabilizes.

Nothing breaks. The portfolio keeps running on the rules we set together. Your Relationship Manager works on your schedule.