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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 Services

ACM Wealth is unique in that our investment team is in-house,  experienced and accessible to you and your ACM wealth advisor.   We understand that investment selection and management requires experience, specific skills and time.

Our investment team is headed by nationally recognized economist and money manager Dr. Charles Lieberman and consists of former Wall Street, Federal Reserve and World Bank economists, academics, money managers, PhDs, CFAs and security analysts.

We look to exploit our economic expertise when determining our top down direction.  Yet in the end, it is our fundamental value approach of equity and fixed income security selection that rounds out our customized portfolios.

“First and foremost we are driven by value, broadly defined. We want to buy growth cheaply, using a contrarian’s approach focusing on value stocks that offer above average return prospects that aren’t reflected in the price.”

– Dr. Charles Lieberman, Co-founder and CIO

Team of Investment Experts

Paul Broughton, CFA

PORTFOLIO MANAGER

  • U.S. Dividend
  • International Strategies
  • Small/Mid Cap
  • Investment Committee
Randall T. Coleman, CFA

PORTFOLIO MANAGER

  • International Strategies
  • Small/Mid Cap
  • Investment Committee
Dr. JoAnne Feeney

PARTNER
PORTFOLIO MANAGER

  • Growth
  • Balanced
  • Investment Committee
Dr. Alan Greenspan

SENIOR ECONOMIC ADVISOR

  • Advisor to ACM Investment Committee
Kevin Kelly

PORTFOLIO MANAGER

  • Fixed Income
  • Investment Committee
Dr. Charles Lieberman

PARTNER                  PORTFOLIO MANAGER
CHIEF INVESTMENT OFFICER

  • Income with Growth
  • Fixed Income
  • Investment Committee
David Lieberman, M.B.A.

PARTNER
PORTFOLIO MANAGER

  • Tactical ETF
  • Global Balanced ETF
  • Investment Committee
David L. Ruff, CFA

PORTFOLIO MANAGER

  • International Strategies
  • Small/Mid Cap
  • Investment Committee
Kevin E. Strauss, CFA

PARTNER
PORTFOLIO MANAGER

  • Fixed Income
  • Balanced
  • U.S. Dividend
  • Investment Committee