Ames financial services

The firm serves individual investors — including high‑net‑worth individuals — and sponsor clients such as corporate pension and profit‑sharing plans, providing financial planning, retirement planning, investment management, estate planning, and tax planning. It also offers insurance planning and, separately, tax preparation and life and health insurance products.

The firm follows a needs‑based investment process, developing asset allocations that account for clients’ time horizons, age, financial capacity, and risk tolerance and typically implements portfolios using no‑load mutual funds to pursue diversification. Accounts are managed on a primarily non‑discretionary basis, meaning investment decisions are discussed and approved by clients prior to execution, with periodic reporting and custodial statements provided.

Noteworthy features include the adviser’s dual role as an Enrolled Agent and a licensed life and health insurance agent, allowing the firm to prepare tax returns, represent clients before the IRS, and sell insurance products — activities for which the adviser may receive commission compensation. Also uncommon for peers, essentially all of the firm’s approximately $12.9 million in assets are managed non‑discretionarily, and the firm requires client accounts to be custodied at a single broker/custodian, which the brochure indicates provides software access and other custodial benefits.