About Us

​A&M Futures is a woman-owned company based on Integrity, Transparency, and Relationships. Our team of experts comes with diverse experience and a common goal of educating individuals and businesses. We educate our clients on tax-advantaged strategies so that they can make the best decisions for themselves, their businesses, and their families.

A&M Futures builds relationships with the businesses and individuals that we work with. Integrity and transparency are two components that are important to us. We want to make sure that people are prepared for life’s “what ifs” and milestones that are part of every business and every individual. We teach you how to be your own banker and our investment strategies have growth potential without the risks of traditional investing – losing money during market downturns.

Our goal is to help everyone move forward and reach their financial goals!​


Betty Pecha

Owner and Founder
Phone: 602-524-9230
National Producer #: 18374347

Betty has over 35 years of experience in both the legal and compliance fields within the corporate sector. She has worked directly with boards of directors of both NYSE and Nasdaq public companies, as well as large private sector companies. In her various roles with these public & private companies, she oversaw Insider Trading Compliance, Security Exchange Commission Reporting, Board of Governance Requirements and the complex required compliance to these regulations, including but not limited to FinCEN. She was also liaison between these boards, their corporate officers and outside counsel.

Betty decided to use the skills she acquired in the corporate sector to help small-to-midsize businesses, entrepreneurs, and individuals achieve sustainable financial success. Betty is passionate about working with individuals, families, and businesses to obtain peace of mind with tax-advantaged strategies and tax-free retirement. The necessity of a sustainable tax-free income and benefits really hit home when her family was faced with a major financial crisis due to a severe accident. It was an eye-opening experience, especially for someone in the industry. Since that time, Betty has been adamant about working with individuals, business owners and their employees to ensure they are prepared for both unforeseen events (illness and/or injury), protecting their wealth and assets and growing their wealth so they can have a legacy.


Betty has been married for over 30 years to Bill Pecha, and they have two beautiful adult daughters, Alannah and Mikaela. In the Spring of 2022, Betty is excited to become a “nana” and love on her two twin grandsons. She enjoys spending time with her family and friends, or relaxing with a great book and a glass of wine or cup of coffee.

Mikaela Stannard

Mikaela Stannard

Account Executive
Phone: 602-349-8291
National Producer #: 18849985

Mikaela graduated from Northern Arizona University with a B.S. in Park and Recreation Management. While participating in all the required business classes, she had no idea how they would change her life. This is where she realizes that she loved the business portion of her degree.

A&M Futures allows Mikaela to further develop and grow her passion of helping families and small businesses achieve their goals. Most people believe they can only achieve financial success and their goals by being a part of a big corporation or business. Mikaela loves sharing with individuals and small businesses how their “big” goals can be accomplished. Helping families is where her passion lies, as her family is also growing by two in Spring 2022 – twin boys. Mikaela wants to make sure families are ready for life’s “what-ifs” and major milestones – buying a car or home, starting a family, going to college, and retirement.

When Mikaela has free time, she enjoys hanging out with her husband and their two dogs. Mikaela and her family enjoy spending time outdoors – riding dirt bikes, hunting, fishing or just taking a new back road to find out where it goes.