American Financial Management, LTD. fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 16, 2026. Fees can change, so confirm with the firm before you hire them.

Flat or project fee

$3,500

“The fixed rate for creating financial plans is $3,500 which can be amended by the Advisor/AFM (allowing plans for free for current clients or reduced cost for a simpler plan).”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How American Financial Management, LTD. bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Clients choose to be billed directly for management fees or to authorize AFM to directly deduct the management fees from their - 9- managed or other accounts.”
• “Upon termination of any managed account, any prepaid, unearned management fees will be promptly refunded, and any earned, unpaid fees will be due and payable.”
• “Refunds are calculated on a pro-rata basis.”

How American Financial Management, LTD.’s fees compare

• Its flat or project fee of $3,500 is below the Maryland median of $4,335. 44% of the 133 other Maryland planners that publish a flat or project fee charge less.
• 1 of the 4 other planners in Owings Mills that publish a flat or project fee charge less.

About American Financial Management, LTD.

• Firm size: 2 employees.
• Registered as an adviser: 1983 (43 years).

Firm details from Form ADV

How the firm is paid

Fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

2% a year

Clients

124

Employees

2

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, and other services

Assets managed

$31,600,000

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

111016

Website

linkedin.com/company/american-financial-management-ltd/?viewAsMember=true (opens in new tab)

Phone

(443) 339-2115

Can advise clients in 23 states: Arizona, California, Colorado, Florida, Hawaii, Iowa, Indiana, Kansas, Maryland, Michigan, Minnesota, Missouri, Nebraska, New Mexico, Nevada, New York, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin

Other planners in Owings Mills that publish fees

• BRC Financial PlanningOwings Mills$500/hr, $3,000
• Glass Jacobson Wealth AdvisorsOwings Mills$1,000⁠-⁠$25,000
• Prosperity - An Eisneramper CompanyOwings Mills$5,000
• Silverstone Financial LLCOwings Mills$350/hr, $1,000⁠-⁠$6,000

Compare all 6 planners in Owings Mills