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ACM Wealth Center

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Am I on Track?

Look to us and count on our experience to help put you on the path forward to your goals. We will work with you to develop a strategic plan to help you prioritize what needs to be accomplished at different starting points in your life. We will then help you implement any needed changes and monitor your progress over time. Just like taking a trip, you can travel any road and get somewhere, but if you know where you want to go, then you must plan what roads to take. Taking a little time to plan now will help ensure you ultimately get where you want to go. Just know that you don’t have to travel solo.

Planning Considerations

  • Maximizing pre-tax savings for retirement
  • Employee benefit decision and review
  • Health Care Savings accounts
  • Business and career planning
  • Life and Disability insurance
  • Debt consolidation
  • Home purchase and mortgage/refinance considerations
  • Marriage, new family and college funding
  • Divorce planning
  • Special Needs planning
  • Will, Power of Attorney and Health Care Proxies
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When can I make the leap?

Determining your income needs during retirement is a complex equation. The challenge is managing a portfolio by withdrawing some money for today’s expenses and investing the rest for the future. We can help you take inventory of your situation and project out your retirement cash flow. This foundation shapes your asset and portfolio allocation decisions heading into retirement. We will set you on a course for a safe, sustainable withdrawal plan considering your assets and potential sources of income. And we will help you coordinate and optimize the liquidation of your retirement and investment accounts considering income taxes and required minimum distributions.

Planning Considerations

  • Business succession planning
  • Retirement cash flow projections
  • Calculating a sustainable withdrawal rate
  • Social Security filing options
  • Income solutions
  • Expense and budget review
  • Concentrated Stock and Options strategies
  • Residency and domicile considerations
  • Health care insurance and Medicare
  • Traditional and hybrid Long Term Care insurance
  • Taking care of dependent parents/children
  • Asset allocation and investment portfolio choices
  • Creating income from investments
  • Executive Benefit planning
  • Pension payout decisions
  • Annuity and Deferred Compensation options
  • Life, Disability and Long Term Care insurance
  • Planning for an inheritance
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Can I make my money last?

Inflation, longevity, the method which you withdraw your income and the random sequence of your returns are some of the key risks to your retirement. Even after calculating your retirement spending needs and saving early and often, these risks, if not planned for, could still have you falling short of your goals. Your ACM Wealth Advisor will build an income optimization plan that will take into account these concerns and help you extend your cash flow in the most efficient manner possible.

Planning Considerations

  • Ongoing monitoring of cash flow (income, expenses and income taxes)
  • Recognizing inflation & longevity
  • Managing investment allocations for a long retirement
  • Optimizing proper withdrawal order in retirement
  • Managing income taxes
  • Roth IRA conversions
  • Rising health care costs
  • Taking care of dependent parents/children
  • Home health care and life care community options
  • Downsizing
  • Reverse mortgages
  • Medicaid planning
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How will I be remembered?

The term legacy is often associated with the rich and famous or to a large amount of money left to someone. More broadly, our legacy may entail the transfer of values, goals or dreams, memories and, yes, financial assets. And for some, it’s the hope of not being a burden to family or someone else. It’s entirely personal.

As your wealth grows, your financial legacy may become more complex. With more assets and greater value, additional considerations (asset protection, family harmony, estate transfer and gift taxes) come into play. In addition to our expertise, we work with your existing advisors and experts in the fields of estate planning, taxes and philanthropy on a regular basis to ensure that your estate plan is in order.

Planning Considerations

  • Planning for physical/cognitive decline
  • Beneficiary designations
  • Health Care Proxies and medical directives
  • Wills and probate
  • Executor and Trustee/Guardian appointments
  • Blended Families
  • Trusts and Gifting
  • Estate and Gift tax strategies
  • Capital gains and cost basis step-up
  • Charitable giving
  • Private Foundations and Donor Advised Funds
  • Charitable Gift Annuities
  • Family Governance and education
  • Downsizing and long term care
  • Grandchildren education planning
  • Dynastic planning

Investment & Wealth
Management

Let’s Build
Something Together

Recognized Investment Team

Customized portfolios using individual stocks and bonds

Proven plans to optimize investment income

Experienced Certified Financial Planners™ as your advocate

Am I on Track?

We will develop a strategic plan to help you make healthy decisions for your financial future and/or get you started.
READ MORE

When can I make the leap?

The transition from earning a living to relying on your investments can be daunting. Our processes help you know if you are financially ready for retirement.
READ MORE

Can I make my money last?

Knowing that a typical retirement may last 30 years, we have identified and will monitor key risks that can threaten your success.
READ MORE

How will I be remembered?

We all have a legacy, whether planned or unplanned, and it may or may not have financial considerations.
READ MORE

Our Team

ACM Wealth is unique in that our experienced investment and wealth planning teams are separate groups of professionals, in-house and working together on your behalf.

Investment Team
Wealth Team

Why ACM Wealth?

Income Optimization Solutions

We seek to grow income and principal at the rate of inflation so that our clients can maintain their lifestyle throughout retirement.

Experienced Investment Team

Our investment team is comprised of experienced professionals formerly from academia, the Federal Reserve and Wall Street. We look to exploit our economic expertise.

Customized Portfolios of Individual Stocks and Bonds

Our in-house investment team builds customized portfolios consisting of individual securities.

The Separation of Planning and Investment Roles

ACM wealth advisors, many of whom are Certified Financial Planners ™, focus entirely on you and your financial concerns.

Sophisticated Account Aggregation Tools

Our Wealth Center is a private portal for our clients that consolidates and monitors banking, investments, credit cards and even travel miles.

Information Center

Latest Commentary and Articles

Keeping Your Cash Safe in Today’s Uncertain Environment

  • March 23, 2023
  • Cary Carbonaro, CFP®, MBA SVP, Director of Women and Wealth
After the collapse of Silicon Valley Bank and Signature Bank, investors are left wondering where is a safe place to protect their hard-earned savings. Wealth advisor Cary Carbonaro recommends super-regional banks and treasury bills.

Should I do a “Back-Door” Roth IRA contribution?

  • March 21, 2023
  • Robert M. Olsen, AIF®, CLTC®
The Roth IRA is a powerful investment vehicle where you pay tax up front so your money can then grow and be withdrawn tax free. However, high earnings taxpayers are not allowed to make Roth contributions. Enter the Back-Door Roth IRA Contribution strategy!

How Will the Bank Crisis End?

Chief Investment Officer Chuck Lieberman discusses why Silicon Valley Bank failed and how that will affect the sector and market as a whole. Also, possible next moves for the Fed to mitigate risk in the bank sector.

What’s Happening to the Banks?

The Fed moves to contain fallout from the Silicon Valley Bank failure. Meanwhile, job growth continues to be strong, and there is little to suggest the Fed should pivot from their path of rate hikes.

News and Events

Stocks close higher ahead of Fed interest rate hike decision

Stocks closed higher Tuesday as Federal Reserve officials begin meeting to discuss inflation and potential interest rate hikes. Advisors Capital Management portfolio manager JoAnne Feeney joins CBS News to break down what upcoming changes could mean for investors.

How Much the Average American Should Keep in Savings – Yahoo Finance

  • March 22, 2023
  • Cary Carbonaro, CFP®, MBA SVP, Director of Women and Wealth
Women's Wealth Director Cary Carbonaro recommends keeping at least an emergency fund in your savings account, writes Yahoo Finance.

ACM’s CIO Lieberman joins Bloomberg Radio to discuss the fallout from the failure of Silicon Valley Bank

Chief Investment Officer of Advisors Capital Management joins Bloomberg Radio to discuss failure of Silicon Valley Bank, and what regulators should be doing differently and the effect on the Fed's plans for interest rates.

Stocks can do a lot that bonds cannot in this environment, says Advisors Capital’s Feeney

Joanne Feeney, Advisors Capital Management partner and portfolio manager, joins ‘Squawk Box’ to discuss what to buy when rates are high.

Latest Webcasts

6/9/2022: When Markets & Economies Collide

WEBCAST: Bonds & Interest Rates in 2022

Bonds & Interest Rates in 2022

WEBCAST: 2021 Year End Tax and Wealth Planning Webinar

2021 Year End Tax and Wealth Planning Webinar

WEBCAST: Finding Yield in a Low Interest Rate Environment

Finding Yield in a Low Interest Rate Environment

Latest Videos

“Turn Off CNBC!” Good advice never gets old.

The ACM Wealth Experience

Recording of 3.9.20 Market Webcast

  Saudi Arabia has flooded the market with oil. Combined…

Coronavirus – The Impact on Markets

Recorded 2.26.2020 ACM's Dr. JoAnne Feeney and senior global portfolio…
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Am I on Track?

Look to us and count on our experience to help put you on the path forward to your goals. We will work with you to develop a strategic plan to help you prioritize what needs to be accomplished at different starting points in your life. We will then help you implement any needed changes and monitor your progress over time. Just like taking a trip, you can travel any road and get somewhere, but if you know where you want to go, then you must plan what roads to take. Taking a little time to plan now will help ensure you ultimately get where you want to go. Just know that you don’t have to travel solo.

  • Planning for physical/cognitive decline
  • Beneficiary designations
  • Health Care Proxies and Medical Directives
  • Wills and probate
  • Executor and Trustee/Guardian Appointments
  • Trusts and gifting
  • Estate and gift tax strategies
  • Charitable giving
  • Private Foundations and Donor Advised Funds
  • Qualified Charitable Donations
  • Family Governance and Education
  • Downsizing and long term care
  • Education planning
  • Dynastic planning
x

When can I make the leap?

Determining your income needs during retirement is a complex equation. The challenge is managing a portfolio by withdrawing some money for today’s expenses and investing the rest for the future. We can help you take inventory of your situation and project out your retirement cash flow. This foundation shapes your asset and portfolio allocation decisions heading into retirement. We will set you on a course for a safe, sustainable withdrawal plan considering your assets and potential sources of income. And we will help you coordinate and optimize the liquidation of your retirement and investment accounts considering income taxes and required minimum distributions.

  • Planning for physical/cognitive decline
  • Beneficiary designations
  • Health Care Proxies and Medical Directives
  • Wills and probate
  • Executor and Trustee/Guardian Appointments
  • Trusts and gifting
  • Estate and gift tax strategies
  • Charitable giving
  • Private Foundations and Donor Advised Funds
  • Qualified Charitable Donations
  • Family Governance and Education
  • Downsizing and long term care
  • Education planning
  • Dynastic planning
x

Can I make my money last?

Inflation, longevity , the method which you withdraw your income and the random sequence of your returns are some of the key risks to your retirement. Even after calculating your retirement spending needs and saving early and often, these risks, if not planned for, could still have you falling short of your goals. Your ACM Wealth Advisor will build an income optimization plan that will take into account these concerns and help you extend your cash flow in the most efficient manner possible.

  • Planning for physical/cognitive decline
  • Beneficiary designations
  • Health Care Proxies and Medical Directives
  • Wills and probate
  • Executor and Trustee/Guardian Appointments
  • Trusts and gifting
  • Estate and gift tax strategies
  • Charitable giving
  • Private Foundations and Donor Advised Funds
  • Qualified Charitable Donations
  • Family Governance and Education
  • Downsizing and long term care
  • Education planning
  • Dynastic planning
x

How will I be remembered?

The term legacy is often associated with the rich and famous or to a large amount of money left to someone. More broadly, our legacy may entail the transfer of values, goals or dreams, memories and, yes, financial assets. And for some, it’s the hope of not being a burden to family or someone else. It’s entirely personal.

As your wealth grows, your financial legacy may become more complex. With more assets and greater value, additional considerations (asset protection, family harmony, transfer (estate and gift) taxes) come into play. In addition to our expertise, we work with your existing advisors and experts in the fields of estate planning, taxes and philanthropy on a regular basis to ensure that your estate plan is in order.

  • Planning for physical/cognitive decline
  • Beneficiary designations
  • Health Care Proxies and Medical Directives
  • Wills and probate
  • Executor and Trustee/Guardian Appointments
  • Trusts and gifting
  • Estate and gift tax strategies
  • Charitable giving
  • Private Foundations and Donor Advised Funds
  • Qualified Charitable Donations
  • Family Governance and Education
  • Downsizing and long term care
  • Education planning
  • Dynastic planning