A.C.M.I. Products
At American Capital Management & Insurance (A.C.M.I.) we are not tied to any specific provider or program. Our integrated finance and insurance philosophy and product portfolio allows us to work with both individuals and businesses to select the most appropriate policies, plans and accounts to meet their needs and goals.
Individuals
Everyone is different, each of us with our own financial and investment needs. You may be on your own, recently married, just starting a family or approaching retirement. With that in mind, we will walk you through an initial investment and protection analysis to determine your individual needs and provide a variety of options for you to choose from. We’ll make sure you understanding what these options are and the benefits of each to assist in that choice whether is be an individual product or an integrated portfolio.
Businesses
The most valuable asset of any business is its people. Recruiting and training staff is a costly business. Protecting your employees protects you. By offering a comprehensive benefits package you can begin to build that protection, decrease staff turnover and increase staff loyalty. You’ll enhance your ability to attract new qualified employees. An integrated package including health insurance, disability and life options as well as 401k and profit sharing plans can be created for much less than you may think. It will save you money in the long run and create a more productive workforce.
No matter what your specific insurance needs A.C.M.I. works with numerous carriers offering a wide range of programs so we can be certain to find the perfect one for you.
- Health Insurance – we offer a multitude of plans with variable benefits, deductibles and co-pays. Whether you are self-employed or have no coverage from your employer there is a plan to meet every budget and family situation.
- Dental Protection – We can offer plans starting at less than $1 per day which include routine exams and cleanings.
- Life Insurance – Ensuring your family and loved ones will be provided for brings security and peace of mind. There are numerous programs to choose from including whole and term life and even programs that will act as investments and pay dividends.
- Medicare & Medicare Supplements – Many people don’t realize that Medicare will not cover 100% of your medical needs. Medicare supplement insurance bridges the gaps, and with various options allows you to choose individual supplement plans that suit your particular situation.
- Disability Insurance – If you can’t work the bills still need to be paid. Disability coverage is available for both short and long term periods. It will provide a predefined monthly income in the short term and should your illness or disability last longer than a predefined period most policies will begin to pay based on a percentage of your income.
- Long Term Care - Long Term Care is often confused with disability. It is intended to provide assistance at the most basic level for those that are unable to care for themselves. Often thought of as paying for nursing homes for the elderly, it can also help fund in-home care.
The future is only around the corner. Whether you have just entered the world of work or are staring retirement in the face, planning for your financial future creates security for you and your family. Some folks think that financial planning is not for them, stating, “I don’t have enough to save” or “I am retiring in a few months.” This couldn’t be further from the truth. With the time value of money working in your favor, even if it’s only a small amount set aside each month, your nest egg will begin to build quicker than you think. If you are close to retirement, planning is essential as you move from a growth mode to one that must sustain and protect what you have worked hard to build.
At A.C.M.I. we have access to a wide portfolio of financial vehicles and can help you build your own customized portfolio that matches your income and spending goals as well as taking into account your preferences and tolerance to risk.
From regular stocks to mutual funds and tax exempt or deferred plans A.C.M.I. can advise you and help you create a balanced portfolio that will meet your needs for today and the future. Did you know you can save many thousands of dollars in tax by choosing the right program? A.C.M.I. can help you understand all the options and select the right vehicle to maximize your current income through tax savings today as well as minimizing your future taxes at retirement. Examples of tax beneficial accounts include:
- Individual Retirement Accounts – There are many different types of IRAs – traditional, ROTH, SEPs etc. - each with their own tax advantages and benefits. If you are confused by the options and which one is right for you, let us steer you through the maze.
- 401K – we can help you manage your 401k and ensure it remains balanced with the rest of your savings and investments. If you are self employed we can help you set up your owner-only 401K plan. Not only is this a great way to save for retirement but it has enhanced tax advantages.
- 529 Plans – These are fantastic College Savings Accounts for children. They allow even small amounts saved by parents and grandparents who are planning ahead for college for their children and grandchildren to grow tax deferred as well as become tax free when used for a child's higher education.
The largest and most important purchase we ever make is our family home. Selecting the right mortgage is crucial.
Shelly Gerard at A.C.M.I. is a licensed loan officer and can provide you with options that will suit your individual financial situation and goals.
