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Our Services

Our team is committed to helping you invest with purpose, ensuring that your financial goals align with your personal values and aspirations.

Financial Planning

Goals-Based Financial Planning is a comprehensive yet focused strategy that centers on your financial objectives and personal goals. American Financial Management recognizes that each individual's financial journey is unique and requires a personalized approach to address both immediate needs and long-term dreams. By aligning your financial resources with clearly defined goals, this method empowers you to make informed decisions that can lead to peace of mind.

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Financial Planning?

Investment Advisory

Risk-Based Investing puts your risk tolerance and objectives at the forefront of the process ensuring your investments are done with purpose and align with your personal financial goals. By taking the time to understand your unique risk profile, this approach allows you to make informed decisions that resonate with your comfort level while still pursuing growth opportunities. It acknowledges that each investor's journey is different and aims to provide a tailored strategy that supports both peace of mind and long-term success.

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Life Insurance

Get life insurance solutions designed to safeguard your family’s future and support your long-term financial goals. Life Insurance is more than just a policy—it is a commitment to stability for your dependents. By choosing the right coverage, you ensure that your loved ones will be protected and cared for. Whether it's securing funds for education, ensuring mortgage payments can be met, or simply providing a financial cushion during difficult times, life insurance offers a safety net that allows your family to focus on healing rather than financial strain.

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Life Insurance?

Millennial family financial investment and retirement advisor in Towson Maryland USA

At American Financial Management, we believe every financial journey is unique, and we're here to guide you every step of the way. With a focus on risk-based investing and goals-based financial planning, we partner with you to build a clear path toward your aspirations. As a fiduciary, our commitment is to act in your best interests, providing personalized strategies, expert insights, and unwavering support to help you achieve financial confidence and security.

Invest with Purpose

By understanding your unique Risk-tolerance score, you will receive a personalized financial strategy that aligns perfectly with your goals.

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About Our Firm

Founded in 1983, American Financial Management (AFM) focuses on delivering comprehensive investment solutions. As a fiduciary, we focus on risk-based investing, goal-oriented financial planning, and life insurance, designed to help clients achieve their financial objectives with confidence and security.

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At AFM, we focus on creating personalized investment strategies tailored to each client’s unique goals and risk tolerance. We take a balanced and thoughtful approach to managing your wealth, using a variety of tools and resources to create a portfolio that fits your needs. Our goal is to provide clarity and confidence as we help you navigate your financial journey and work toward your long-term aspirations.​

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Our platform empowers both advisors and clients with the resources needed to make informed decisions. We offer services in investment management, financial planning, life insurance, and research, enabling advisors to focus on building strong relationships with their clients. AFM is committed to innovation and continuous development, leading to improved outcomes for both our clients and advisors.

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Whether you're an individual investor, a financial advisor, or seeking comprehensive financial planning, AFM is here to guide you towards a secure and prosperous future.

Founded in 
1983

Committed to innovation and continuous development

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Want to speak with an advisor? Schedule a call

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P.O. Box 483

Owings Mills, MD 21117

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Phone: (443) 339-2115​

Fax: (319) 277-0798

Email: Support@AFM-RIA.com

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WARRANTIES & DISCLAIMERS: There are no warranties implied.

American Financial Management, Ltd is a registered investment adviser located in Owings Mills, MD. American Financial Management, Ltd may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. American Financial Management, Ltd web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of American Financial Management, Ltd web site on the Internet should not be construed by any consumer and/or prospective client as American Financial Management, Ltd solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by American Financial Management, Ltd with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of American Financial Management, Ltd, please contact the state securities regulators for those states in which American Financial Management, Ltd maintains a registration filing. A copy of American Financial Management, Ltd current written disclosure statement discussing American Financial Management, Ltd business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from American Financial Management, Ltd upon written request. American Financial Management, Ltd does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to American Financial Management, Ltd web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice.

Brad Clough is licensed to sell life insurance products.  This means there may be occasions when life insurance recommendations could result in the receipt of commissions or other compensation.  This arrangement creates a potential conflict of interest, as there is a financial incentive to recommend these products.

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