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Investment Management

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Invest in yourself—and your future—with an investment portfolio tailored to your needs and goals by the investment professionals at AAFMAA Wealth Management & Trust (AWM&T).

About Our Military Investment Management Services

What Do You Get?

AWM&T’s comprehensive investment management services include:

  • A personal investment policy statement
  • Strategic asset allocation
  • Portfolio strategy and implementation
  • Tax-efficient investing options
  • Ongoing management of investments
  • Professional financial advice
  • Other investment planning services

Who Is It For?

Our services are specifically designed for:

  • Active Duty servicemembers
  • Veterans
  • Military retirees
  • Transitioning servicemembers
  • Surviving spouses
We specialize in working with current and former U.S. military servicemembers with an investment minimum of $100K.

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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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 services are centered around you. Here’s how our process works:

  • 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.

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 Investment 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

Common Questions

At AWM&T, our investment services are centered around you. Your dedicated Relationship Manager meets with you to discuss your goals and their timelines, risk tolerance, sensitivity to taxes, and personal investment preferences.

Your Relationship Manager then works with our military investment professionals to create an investment policy statement just for you. Then, we develop your investment strategy, build your portfolio, and measure its performance over time.

After establishing your portfolio, our investment team continues to manage and monitor your investments, adjusting as necessary to optimize returns. Your dedicated Relationship Manager keeps you informed and will meet with you to review your portfolio’s performance.

Your portfolio is custom-tailored to you. Some of the core portfolio strategies we use and how they help our clients meet their objectives include:

  • Equity: Primary investment objective is appreciation of principal. Income is not important. Stock exposure is 80 to 100%.
  • Aggressive: Primary investment objective is appreciation of principal. Income is secondary. Stock exposure ranges from 70 to 90%.
  • Growth: Primary investment objective is appreciation of principal. A moderate level of income is needed. Stock exposure ranges from 50 to 70%.
  • Balanced: Investment objectives are to preserve principal purchasing power and generate moderate income. Stock exposure ranges from 40 to 60%.
  • Income growth: Primary investment objective is a moderate income, and the secondary objective is preservation of principal. Stock exposure ranges from 20 to 40%.
  • Income: Primary investment objective is a high rate of income, and the secondary objective is preservation of purchasing power. Stock exposure ranges from 0 to 30%.
  • All fixed income: Primary investment objective is generating income. Appreciation of principal is not important. Fixed income exposure is 100%.

AWM&T’s investment philosophy is to do what is right for our Members, always. To keep this promise to our investors, our investment philosophy observes these guiding principles:

Proper Asset Allocation

We believe that the most important factor determining investment success is proper asset allocation that matches your long-term investment goals, timeframe, and ability to tolerate short-term market volatility.

According to one of the most highly regarded studies on portfolio performance, 90 to 95% of the returns generated by a large sampling of pension funds over 10 years were due to their asset allocation, not their security selection. In other words, an investor’s exposure to a particular asset class was more important than the specific securities within that class—demonstrating that investment success is based upon asset allocation and affirming our investment philosophy.

Diversification to Mitigate Risk

While we believe in the power of a long-term, focused, and properly allocated portfolio, we are keenly aware of the need to mitigate risk whenever possible. As such, diversification strategies are key to our investment process. By dividing a portfolio carefully among selected asset classes, an investor can maximize potential returns at an acceptable level of risk.

Active Management

Our investment process uses a combination of mutual funds and individual stocks and bonds when constructing your portfolio. We use actively managed mutual funds (where the managers seek to outperform an index through investment selection) whenever we feel that the management of that fund can deliver better risk-adjusted returns, net of taxes and fees, than a passive index approach could. We will use passive index funds to obtain our desired asset class exposure when we cannot find an appropriate active fund.

Rigorous Assessments and Reviews

We conduct a rigorous review and assessment process before any mutual fund, stock, or bond is purchased for a member’s portfolio. Once purchased, all investments are monitored continuously and adjusted as needed.

Precisely Calculated Rebalancing

We believe systematic rebalancing of assets is essential to maintaining the consistency of an investment account’s returns and risk profile. We do not use a periodic rebalancing method where portfolios are rebalanced at specific times of the year. Instead, we use a percentage-based methodology where portfolios are rebalanced whenever set parameters are reached. When an asset class exceeds a specified percentage of the portfolio, we pare back that class and move it into an under-represented class.

The cost of AWM&T’s military investment management services varies with your total investments:

  • 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

The fee for a comprehensive financial plan is $3,500. Learn more about AWM&T’s financial planning.