AMES Financial Solutions, LLC

AMES Financial Solutions serves individual clients and offers comprehensive and limited financial planning, investment advisory services, money coaching, and insurance product sales. The firm reports approximately $6.5 million in assets under management across 217 clients and delivers investment services primarily through a platform‑based wrap fee program.

Investment management is provided through a wrap fee arrangement using Betterment for Advisors, where clients complete an online investor profile and model portfolios are implemented, rebalanced, and administered by the platform. The firm handles client onboarding, risk profiling, periodic reviews, and limited portfolio customization within the platform framework, and it may provide non‑discretionary guidance on assets held away or, if agreed in writing, manage accounts under a limited power of attorney.

Distinctive features disclosed in the brochure include an unusually high client count for a single‑advisor practice and the use of a single wrap platform for all managed assets, which indicates a technology‑driven, scalable delivery model with lower average AUM per client. The firm’s principal also maintains other business activities that are uncommon among peers—licensing as an insurance agent (including Medicare), public speaking and educational offerings, and published materials—which are disclosed as potential additional revenue sources and conflicts of interest.