American Retirement & Investment Strategies, LLC

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Client assets under management

$102,976,717

Clients

215

23% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

108

Very High

Average account size

$478,961

About

A two-advisor SEC-registered firm, American Retirement & Investment Strategies provides financial planning, consulting, and investment management to individuals, trusts, estates, charitable organizations, and business clients, including employer-sponsored retirement plans. The firm offers both discretionary portfolio management and non-discretionary guidance for variable life/annuity subaccounts and retirement plan participant investments.

Investment approach is model-based, with multiple risk-profile strategies and a documented investment policy process that relies on fundamental and technical analysis to allocate among mutual funds, ETFs, individual equities, fixed income and the securities components of variable annuities. The firm also maintains a proprietary equity-focused Dynamic Portfolio strategy and may use hedging tools or inverse securities for downside protection when considered appropriate.

Noteworthy for a firm of this size, the principals are licensed insurance agents in their individual capacities and may recommend commissionable insurance products to clients, a relationship the firm discloses as a potential conflict of interest. The firm’s advisers hold Certified Financial Planner and estate/trust specialist credentials, manage both discretionary and a meaningful share of non-discretionary assets tied to retirement plan and annuity work, and disclose receipt of non-fee economic benefits from custodian relationships.

Client services

Financial planning Portfolio management Investment consulting

Expertise

Retirement income strategy Annuities Wealth management

Fee options

Fixed

Fixed fees generally range from $500 to $1,500

Percentage

$0+: 0.50% to 1.60% $0+: 0.15% to 0.75% (retirement plan services) $0+: 0.25% to 0.30% (college plan accounts) $0+: 0.30% additional fee for Dynamic Portfolio strategy

Project-based

$150 to $300 per hour

Other

Account minimum: $100,000 Fee-only: Fixed fees generally range from $500 to $1,500; Hourly fees range from $150 to $300 per hour

Main office location

American Retirement & Investment Strategies, LLC

Gloucester MA, United States

Number of offices

Most active in

Florida · Massachusetts · New Hampshire · Rhode Island

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

Quick links

Website 978-283-1011

Advisors at this firm

Joseph G

CFP®, Series 66

Gloucester, MA

American Retirement & Investment Strategies, LLC

Joseph Grella is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has been with American Retirement & Investment Strategies, LLC since 2006. In addition to his advisory role, he is an insurance agent and owner of a business that solicits insurance products for clients. American Retirement & Investment Strategies provides financial planning, consulting, and investment management services to individuals, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm employs a combination of fundamental and technical analysis, offers multiple model strategies tailored by equity allocation and risk tolerance, and includes a proprietary Dynamic Portfolio equity strategy.

Retirement income strategy Annuities Wealth management

William Guglielmo D

Series 66

Gloucester, MA

American Retirement & Investment Strategies, LLC

William Guglielmo D'annibale is a financial advisor with American Retirement & Investment Strategies, LLC, holding a Series 66 designation and 20 years of industry experience. He has been with the firm since 2006. In addition to his advisory role, he operates an insurance agency offering various insurance products. American Retirement & Investment Strategies provides financial planning, consulting, and investment management services to individuals, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm employs a documented client profile and Investment Policy Statement to guide investment choices, utilizing a combination of fundamental and technical analysis and a proprietary Dynamic Portfolio equity strategy.

Retirement income strategy Annuities Wealth management

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