AE Financial & Risk Management, Inc.

AE Financial & Risk Management, Inc. provides investment advisory services to individuals (including high‑net‑worth clients), trusts, charitable organizations and businesses, offering asset management, financial planning, business consulting, and qualified retirement plan advisory services. The firm reports roughly $40 million in assets under management and oversees most client assets on a discretionary basis for a relatively small client roster.

Investment advice is delivered through model portfolios (Aggressive, Growth, Moderate Growth, Moderate, Conservative) that are tailored to client objectives and implemented with stocks, mutual funds and ETFs; the firm relies on third‑party research, prospectuses, market media and proprietary risk/return modeling and may delegate portions of management to third‑party managers. AE Financial typically emphasizes longer‑term holdings while retaining the ability to engage in shorter‑term trading, and it provides at least quarterly account reviews for managed accounts.

A distinctive feature disclosed in the brochure is that the firm’s principal is also a licensed insurance agent who may sell insurance products and receive commissions outside advisory agreements, and the firm may permit waiving planning fees in anticipation of such commissions, which the brochure identifies as a potential conflict of interest. The firm also operates through an Envestnet advisory platform and requires clients to custody accounts with Pershing, Charles Schwab or Fidelity, a custody and execution arrangement the brochure notes may influence where transactions are executed.