American Financial Management, Ltd.

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Client assets under management

$31,600,000

Clients

124

4% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$254,839

About

American Financial Management provides discretionary investment management and financial planning to individual clients (including high‑net‑worth and non‑HNW households) as well as retirement plans and plan sponsors. Services include asset allocation/risk management, a mutual fund/variable annuity sub‑account conversion management service, participant account management for held‑away retirement assets via the Pontera platform, and ERISA 3(21) or 3(38) plan advisory services.

The firm implements client strategies through an individualized process that documents goals and risk tolerance in client profiles or an investment policy statement and uses a mix of analytical methods (fundamental analysis, Modern Portfolio Theory, technical/charting, quantitative and cyclical analysis). Accounts are managed on a discretionary basis with at least quarterly reviews and rebalancing, and clients may impose written restrictions on investment management.

Distinctive features noted in the brochure include affiliated advisors who act as licensed insurance agents and registered representatives and who receive external compensation for insurance and broker‑dealer product sales; the brochure discloses these arrangements and the firm’s mitigation measures for the resulting conflicts. The firm also discloses the use of third‑party promoters and written referral agreements (including paid referrals), relies on a third‑party platform to manage held‑away participant accounts without custody, and states operational choices such as not aggregating trades and not voting client proxies.

Client services

Financial planning Portfolio management

Providing investment advisors with technology consulting

Fee options

Fixed

Financial planning fixed fees: $3,500 for full plan, $2,500 for significant updates; fees are negotiable and may be waived for clients.

Percentage

Up to 2.0% annually (negotiable flat rate for asset management and ERISA plan services)

Commissions

Investment Advisor Representatives receive commissions from sales of securities and insurance products separately; these are conflicts of interest mitigated by disclosure.

Main office location

American Financial Management, Ltd.

211 Owings Gate Ct, Suite 302

Owings Mills MD 21117, United States

Number of offices

Most active in

Arizona · California · Colorado · Florida · Hawaii · Indiana · Iowa · Kansas · Maryland · Michigan · Minnesota · Missouri · Nebraska · Nevada · New Mexico · New York · Pennsylvania · South Dakota · Tennessee · Texas · Utah · Washington · Wisconsin

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn X Website (443) 339-2115

Advisors at this firm

Bradley C

Series 66

Owings Mills, MD

American Financial Management, Ltd.

Bradley Clough is a financial advisor with American Financial Management, Ltd., holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments, The Marshall Financial Group LLC, and Janney Montgomery Scott. Clough is also an independent licensed insurance agent. American Financial Management, Ltd. serves individual investors, retirement plan participants, trusts, pension and profit-sharing plans, and corporate entities by providing discretionary asset allocation, risk management, portfolio management, and financial planning services. The firm employs a blend of fundamental, technical, quantitative, charting, and cyclical analysis within a modern-portfolio framework and offers RIA-to-RIA technology consulting.

Howard D

CFP®, Series 63, Series 65

Cedar Falls, IA

American Financial Management, Ltd.

Howard Dobson Jr. is a CFP® professional with 45 years of industry experience. He has been with American Financial Management, Ltd. since 1983 and previously worked at several related firms including American Financial Securities, Inc. and Investors Professional Services Inc. Outside of his advisory work, Dobson is an author and speaker, managing book sales and speaking engagements through a related entity. He is also a member of the Million Dollar Round Table, volunteering on various committees and its charitable foundation. American Financial Management, Ltd. serves individual investors, retirement plans, trusts, and corporate entities by providing discretionary asset allocation, portfolio management, and financial planning services. The firm employs a modern-portfolio approach using multiple analysis methods and offers specialized services such as participant account management through third-party platforms and RIA-to-RIA technology consulting.

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