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Ames Fee-Only Financial Planning provides objective, "fee-only" financial planning and investment advisory services to individual and couples who are either anticipating retirement, or who have retired and in need of planning for the duration of their “golden years”. Our specializations are investment management, retirement planning and estate planning.
Most of our “pre-retirement” clients have sought our services because they wanted to know if and when they would be able to “afford” retirement, while our retired clients wanted to know whether they had sufficient financial resources to live comfortably for the remainder of their lives. Both groups also wanted a competent and unbiased evaluation as to whether their investment programs were suited to their needs, or whether an alternate strategy needed to be implemented which was more in line with their “risk/return” profile and capital accumulation requirements. For most of these clients, we have designed “customized” investment programs which offer diversification, an emphasis on conservation of capital, and which are monitored on a continual basis; in order to undertake periodic adjustments and/or "rebalancing" made necessary by “life changes”, market conditions, and/or other considerations. We offer “peace of mind”......
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Ames Fee-Only Financial Planning ("Ames") is an SEC registered investment adviser located in Annapolis, Maryland. "Ames" and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by those states in which "Ames" maintains clients. "Ames" may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. "Ames'" website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of "Ames'" website on the Internet should not be construed by any consumer and/or prospective client as "Ames'" solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by "Ames" with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of "Ames", please contact the state securities law administrators for those states in which "Ames" maintains a registration filing. A copy of "Ames'" current written disclosure statement discussing "Ames'" business operations, services and fees is available from "Ames" upon request. "Ames" does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to "Ames'" website or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Please review additional disclosure information set forth in the "Disclosure" section of this website.
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