Business Challenges


​​Business Challenges

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72% of workers said that retirement benefits were a major factor in their decision to accept a job offer, and 60% said that retirement benefits were a major factor in their decision to stay with their current employer -Transamerica Center for Retirement Studies survey.

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Only 16% of workers are very confident that they will have enough money to retire comfortably, and 55% have less than $100,000 saved for retirement – Employee Benefit Research Institute survey.
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Only 55% of workers participate in an employer-sponsored retirement plan, and participation rates are lower for part-time and low-wage workers – Bureau of Labor Statistics.


We all know that happy employees equal higher retention and higher profits for our businesses. We also know the price to replace employees: time and money to market and train new employees can be very expensive. The key is to find the solution that will create the best working environment. Most of this lies in what benefits are offered to the employees. Employees, like employers, know that it is important to have retirement plans that can provide a sustainable financial future.

The statistics highlight the importance of offering competitive pay and benefits, including retirement plans, for attracting and retaining top talent. It’s important for businesses to consider the needs and goals of their employees when designing their benefits packages, and to regularly evaluate and update their offerings to stay competitive in the job market.

Find out why our employee programs are different and well received by employees and employers alike.

Life is full of What If’s and Milestones
Are You Prepared?

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Prepare for a sustainable, enjoyable retirement. Everyone deserves a long retirement without the fear of running out of money.
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Home Ownership

We have the “key” to your new home. Let’s make you “bankable” to your mortgage lender and more.
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College Fund

A college fund that does not have the limitations or pitfalls of traditional plans. Save money for your child’s future that will provide tax-free money for their future.
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Untimely Death

Let’s plan so your family is prepared and has a legacy. Tax-free money to help with lost income, childcare costs, outstanding debts, and even funeral expenses.
Medical Expense

Medical Expenses

Tax-free strategies to make sure you are prepared for unexpected medical expenses. Make sure your assets are protected from creditors. Talk with someone who knows this first-hand.


Wealth Management

Make sure you are using the right strategies – it is no longer your grandparents’ world. Our experts will work with you to protect your wealth and grow your wealth without fear of market downturns or paying taxes.

About A&M Futures

A&M Futures Products help individuals and families move forward for a better future

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Protect your money from loss and provide for upside potential.

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Your money is working for you.

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Maximize your tax-advantaged savings and income opportunities.

About Us

A&M Futures is a woman owned company based on Integrity, Transparency and Relationships. We are financial educators and retirement income strategists for individuals and businesses. We offer innovative solutions for both businesses and individuals.

Our goal is simple: help everyone move forward and reach their financial goals!


Mission Statement

We serve Individuals, Families, Employers and Employees by educating them on tax-advantaged strategies so they have the tools to make the right decisions for themselves, their family, their business and their employees.

We understand the current challenges and that most feel overwhelmed by their challenges and/or situations. That is why it is important to us to show you how our “outside of the box” strategies can be the solutions you are looking for.

We will listen and learn about your challenges and provide you with better solutions to help you move forward to be prepared for life’s what ifs and milestones.

Who We Service

Individuals and Families



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Protect & Grow Your Money

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Everyone needs sustainable strategies for their financial futures.

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This statement is true for BOTH businesses and individuals/families alike.

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A&M Futures specializes in strategies which offer

  • Financial crises protection
  • Protected against market risk
  • Long-term care
  • Tax-deferred growth
  • Tax-advantaged income
  • Supplemental retirement
  • Flexible access to cash
  • Legacy for the next generation
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All without the risk of traditional investing.

The positive impact for Employers





State of the Art



Employees are Protected and Appreciated



Employees are Your Best Recruiter





What Our Client’s Say