info@amfuturesllc.com
602-845-0871

Business Challenges

Business

​​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.

​​Solutions:

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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Retirement

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

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!

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about
mission

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

Employers

Employees

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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

01

Business
Growth

$

02

State of the Art
Program

$

03

Employees are Protected and Appreciated

$

04

Employees are Your Best Recruiter

$

05

Increased
Profits

$

What Our Client’s Say

Bill Robertson

"She explained everything to us so well and her business is beneficial for those of us who are concerned about having funds to supplement their retirement. She comes highly recommended by my wife and I. "

Craig Curry

The Werks C & C Inc.

"Betty is a professional who really knows her product and can explain it to you in terms you can understand. she answers your concerns and questions and has no issues with you contacting her after hours"

Heather Olson

Olson Insurance Agency

A&M Futures was invaluable in assisting us with giving our employees peace of mind. Their product combines so many amazing benefits – retirement savings, long term care, chronic illness and life insurance – into one affordable product. In today’s economy employee retention is so important and Betty’s company allowed us to give our employees something no one else can offer.

Thomas Dawson

Dumpster Intervention Patrol

Betty is an amazing leader! Provides professional guidance with your business, employee, and personal needs. Put your assets where they need to be, back in your pocket. Taking investing to a different level, to protest and grow your financial portfolio and provide reassurance, an added value “win-win” for everyone! The great thing with Betty is she makes you feel comfortable, excited about what your positive financial move, and she really makes sure you’re doing the right thing being honest and upfront from the start to finish and everywhere in between. I recommend Betty as she really knows her services and what will work best for you!

Tina Smith

E3 Cryo & Wellness

As the owner of a small business, it can be daunting to figure out affordable benefits for our employees. With Group Health Insurance being completely out of our budget, I really didn’t know what other options were available. Betty Pecha with A&M Futures has been a huge blessing! She provided us with a flexible program that covers the “what ifs” and milestones for our employees. I was able to set the budget of what I could contribute for each employee which is tremendously helpful. And each employee has a say in how much they contribute as well. There are very few programs customizable to both the employer and employee. Betty’s customer service rocks and you can feel how much she cares. I highly recommend her and her company for finding benefits that will help you attract and retain quality employees!
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