Testimonials

Total professionalism and individual assessment of financial needs. Not cookie cutter.

~COL Anthony A., Sr., U.S. Army, Virginia

Working with AAFMAA after my father passed away, my mother, sister and I found knowledgeable, professional representatives who worked seamlessly with us to ensure the best possible financial care for my mother. My father had been pleased with the quality of service and the product offered by AAFMAA, and we have been, too. Then, when my mother passed away, once again AAFMAA representatives helped make another seamless transition of accounts. Through many years, we have found AAFMAA to be of the highest standard and its investments to be sound. We have also been comforted greatly by the consistent, sincere compassion and understanding shown to us. AAFMAA truly appreciates the service given by military families. I highly recommend AAFMAA.

~Teresa B., Daughter of a Veteran, California

I looked into AWM&T after retiring, having had AAFMAA life insurance, and was looking at consolidating some financial matters. Pleasantly, I was contacted by Danielle Nuxoll who immediately worked with me to move my government TSP and some other funds into a very productive AWM&T account. While I am basically ‘hands-off’ in handling my account, Danielle maintains regular contact keeping me updated and watching over my account. She has assisted and advised me in restructuring my accounts to reduce future tax obligations. I placed trust in AAFMAA for over 20 years and have been very satisfied now with their financial affiliate AWM&T. They are focused on the needs of military folks, very personalized service and I highly recommend AWM&T financial services to all military families.

~CW5 William L., U.S. Army (Ret.), Washington

Richard Proctor has made a positive impact on our experience with AWM&T and we have told military family friends about AWM&T and Richard's excellent customer service.

~COL James K., U.S. Army (Ret.), Virginia

We have been with AAFMA for more than 30 years and recently asked for moving funds to wealth management. We highly recommend this service. The transfer was completed as quickly as the other companies responded. Danielle Nuxoll worked hard helping to get funds to AAFMA. We trust and have faith in this highly respected company.

~Richard B., U.S. Army, Arizona  

Erin J. Kinkade and Joshua Schnelle were amazing at helping us prepare for retirement and keeping us on track. They listened to our goals and aspirations for retirement and helped us build a plan to meet those goals. We are so thankful for their help.

~Gregory T., U.S. Navy (Ret.), Oklahoma

I researched different fee-based financial advisors to plan for our retirement. After speaking with a couple of firms, I decided upon AAFMAA Wealth Management & Trust. We have worked with them since 2023. I was impressed by their personalized attention and knowledge of helping retired military plan a full retirement after a second career in the civilian sector.

We work with Richard Proctor, our Relationship Manager, and Erin Kinkade, our Financial Planner. As we were developing a plan, both were extremely attentive to our needs and concerns, and answered all our questions fully. Over a series of meetings, they asked many questions and listened carefully to gain a full understanding of our financial situation and our aspirations for a full life in retirement and helping our children and grandchildren. They helped me answer the million dollar question: When can I retire?

Erin ran projections of income and expenditures adjusted to our life expectancies and demonstrated that we will have our desired levels of income for the rest of our lives. She also advised us on long-term care and gift giving to our children. As a result of these consultations, I now feel confident to retire two years earlier than I had originally anticipated. This will give us time to travel, volunteer, and spend time with our grandchildren.

Additionally, Richard helped us consolidate multiple IRAs and cash from the sale of a house and put it under one roof with AWM&T. We feel secure knowing that we have a dedicated wealth manager who is looking out for our best interests, unlike the big investment firms where you talk to a different person each time you call. We paid a fee for the initial financial planning, but now that AWM&T is managing our funds, that fee is waived.

We have been very happy with the care and advice we have received and highly recommend their services to other military veterans.

~LTC William (Bill) A. and Deb A., U.S. Army (Ret.) and Spouse, Delaware

Danielle and Erin have been a joy to interface with on our journey. I have been doing self investing for the pass 60 years but at 83 decided I needed to centralize our investments for Kathryn. Also decided that a trust was necessary. We have received wonderful guidance and advice in moving forward to establishing a trust and Erin has gone the extra mile by agreeing to sit with us and our attorney.

Since our transfer of investments began in June, the jury is still out on who is the better money manager. I am pulling for the team to greatly surpass my investment successes. GO TEAM!!!!

~Robert (Bob) C., U.S. Army, North Carolina

Our journey with AAFMAA began over 30 years ago, when I purchased a life insurance policy. Since that time, my wife and I leveraged financial planning tools, stored critical original documents, and kept aware of emerging tools and services. Nearing retirement, we began to use AAFMAA services more comprehensively to consolidate our savings and investments. We determined that AAFMAA’s Wealth Management services would help put us in the disciplined and organized financial position we sought for our retirement years.

We have been very pleased with Wealth Management & Trust. The personal service and tailored updates/reviews have helped us better understand our financial posture. In particular, Danielle Nuxoll has been an outstanding partner on our journey. Our desire to consolidate, organize and assess risk consistent with our retirement activities, demanded a level of detail, special tasks, and a lot of inquiries that kept Danielle and her team busy. But she is patient, thorough, and helpful. We have some life changes ahead, and I am confident she will keep us focused and well-advised on our financial posture.

I would tell other military families that it is never too early to give AAFMAA a try - in our busy lives, they are a reliable partner with a great range of products and services. And in our experience, a great team of people.

~COL John S., U.S. Army (Ret.), Pennsylvania

My husband (US Army, retired) and I had our investments with another company for years, but we were happy to move our investments to AWM&T to receive more personalized service. Transitioning our investments to AWM&T along with the goal-setting and tolerance level assessment with Larry and Julia's help has been worth the effort! I appreciate their care and attention to our accounts and to us. No matter what our future holds, finances will be one thing we won't have to worry about sorting through alone. I also appreciate that our finances are being managed by a team that is military-aware. Our experience thus far has been 5-stars!

~Carol F., Military Spouse, Wisconsin

My relationship with AWM&T began during my husband's final days in 2018. My personal financial manager is Danielle Nuxoll. She stood by me every step of the way while I blundered through endless government forms and agencies plus a myriad of various pensions and accounts scattered over several banks. It has been a daunting process! Over the past eight years we have built a huge equity of mutual trust and respect--priceless.

~RuthAnn H., Spouse of MAJ Richard H., U.S. Army (Ret.), Florida

Anthony & his team have been great! They listened to the goals of my wife & I & then made recommendations how to navigate the path to reach them. They stay in touch & let us know how we’re doing. If necessary, they make recommendations to help. All three of our children also use them.

~John E., U.S. Army, Florida

Joshua Schnelle has guided me managing my retirement account portfolio, when my husband was living and after he passed away. He also advocated for member children to be grandfathered in to be members as well. He truly knows about me and my family as well and takes my interests and needs seriously. Additionally he keeps me updated with AAFMAA’s financial forecast.

~Ellen S., U.S. Army Spouse, Virginia

We have been working with AWM&T for at least three years and have been very pleased with the service Danielle has given us. She monitors our accounts and provides timely advice. I have high confidence that our financial plan is in good hands.

~COL Duncan K., U.S. Air Force (Ret.), Oregon

We changed to AWM&T after working closely with Larry and Brittany to analyze our risk tolerance, as well as a full portfolio and asset analysis to hear their advice. We were impressed with their advice not only on our complete financial picture today and also their ability to talk us through what we should be doing next year, in five years, in ten years, etc. This coupled with their specialized knowledge of how to integrate military health care, retirement and VA benefits into our total picture. This is the most complete and concierge level of financial planning advice we have ever received.

~Thomas F., U.S. Army, Colorado

We began our relationship with AAFMAA Wealth Management & Trust (AWM&T) in late 2019. Having a tailored financial strategy with ongoing support has been invaluable during these uncertain times. We’re very pleased with the investment performance, products and services, and personal approach. They helped us determine our financial preparedness for retirement and provided incredible support through that transition. Our relationship manager, financial planner, and investment management team have been exceptional. The advice is customized to our needs and sensitive to our risk tolerance. Richard and Brittany are amazing—patiently responding to every question and concern imaginable (large and small). I can’t seem to wear them out—and I’ve tried. They are professional, thoughtful, personable, accommodating, and detail-oriented. Also, we appreciate how members of the investment team are available for direct interactions. I’ve recommended AWM&T to friends and colleagues. Wish I had joined earlier in my career. I doubt any other firm could offer this kind of service at this cost.

~Thomas B., U.S. Army (Ret.), Alabama

I have been working with AWM&T since 2015. My team at AWM&T, Brittany Benassi and Danielle Nuxoll, has been outstanding in their care and attention to my finances. They have been with me through weddings, new home purchases, and planning for my future retirement. I have built personal relationships with them and feel like they are not just my financial advisors but also friends with whom I can chat with about family and life in general. They have given me support and guidance in every area of my financial planning. I can call or text at anytime and they respond almost immediately. Their personal attention to me makes me feel cared for and respected and not like just a client. I would highly recommend the services at AWM&T to my family and friends.

~Cynthia S., U.S. Army Spouse, North Carolina  

We have been working with AWM&T since April, and the experience has been truly eye-opening in the best possible way. After our most recent tax year, we quickly realized that our financial situation had become more complicated than we initially understood. From the very beginning, Danielle and Erin were incredibly helpful, reassuring, and supportive as we navigated it all.

Danielle was kind, patient, and incredibly intentional about educating us throughout the process. Once it became clear that we were entering a more complicated tax and financial situation, she brought Erin, our financial planner, into the conversation. It didn’t take long for us to realize that we needed a comprehensive financial plan rather than simply addressing things one issue at a time.

As we get closer to completing our financial plan, we are genuinely overwhelmed with gratitude for the work Danielle and Erin have done with us. They have helped us see our finances and our future in a completely different way and, more importantly, have given us a sense of confidence and direction.

There were so many things we assumed we simply weren’t at the right place in life to be thinking about yet. Danielle and Erin helped us understand that we didn’t have to wait. They met us where we were, helped us understand what made sense for our specific situation, and showed us how to put those plans into action. Looking at where this plan is positioning us for the future, we feel incredibly fortunate. It has put us decades ahead of where we ever imagined we could be at this stage of our lives, and we are so grateful to have had their guidance along the way.

~Orly N., U.S. Coast Guard Member and Spouse, Michigan

I have personally been working with AWM&T since 2014 after my husband passed away. They reached out to me offering assistance with understanding my financial situation. My husband had been handling investments and life insurance annuities with them for a number of years. I was aware of these investments but not knowledgeable about how to receive income generated by them over time. They explained everything in detail and one of their representatives was assigned to me to meet quarterly to update my financial needs. With their help I was able to move and build a home in another state and continue to live comfortably to include travel abroad and vacations with my children and grandchildren. I am extremely grateful to have had and continue to have AWM&T support and financial expertise. It has allowed me the security and confidence to make financial decisions with more certainty.

In these economically uncertain times, it is especially important for young military families to have the advice of an organization that understands their needs and way of life. I am thankful to have been given the strong and caring support of the AWM&T team.

~Adriane S., Spouse of a U.S. Air Force Major General, Washington

Working with AWM&T, and especially our advisors, Joshua Schnelle and Erin Kinkade, has been an outstanding experience for both my wife and me.

I first learned about AWM&T while attending a retirement transition course, and I immediately appreciated the honesty and transparency Josh provided about what AWM&T could do for us. Since then, Josh and Erin have been incredibly helpful and supportive. They take the time to listen to our concerns, understand our goals, and thoughtfully consider the different scenarios we bring to them.

As we enter this next phase of our lives, Elena and I feel very confident about where we stand financially and about the plan we have in place for retirement. We truly appreciate the guidance, personal attention, and peace of mind they have provided.

I would highly recommend AWM&T to anyone looking for honest feedback, personalized guidance, and professional support as they prepare for retirement.

~Rear Admiral Scott F., U.S. Navy (Ret.), Virginia