# American Money Management, LLC

> American Money Management, LLC is an SEC-registered investment advisory firm in Rancho Santa Fe, CA, registered since 2002, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 24, 2026.

- CRD: 115357
- Filed as: AMERICAN MONEY MANAGEMENT, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Rancho Santa Fe, CA
- Filing period: October 2026
- Form ADV filing dated: March 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/115357
- AdvisorCensus page: https://advisorcensus.com/firm/american-money-management-llc-rancho-santa-fe-ca-115357

## Quick answers

**How is American Money Management, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), American Money Management, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); performance-based fees.

**What does American Money Management, LLC's brochure say about its fees?**
Its Form ADV Part 2A brochure dated March 24, 2026 states: Asset-based fee: 0.1% to 1.5% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is American Money Management, LLC located?**
American Money Management, LLC's principal office is in Rancho Santa Fe, CA, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is American Money Management, LLC registered with the SEC or a state?**
American Money Management, LLC is an SEC-registered investment advisory firm, registered since 2002. Status as filed: Approved. CRD 115357.

**How much does American Money Management, LLC manage?**
American Money Management, LLC reports $844,008,013 in regulatory assets under management in its Form ADV filing dated March 24, 2026 (99% discretionary).

**How have American Money Management, LLC's assets and staff changed since 2021?**
In the Form ADV data for American Money Management, LLC: Regulatory assets under management: $392,985,320 in the October 2021 data and $844,008,013 in the October 2026 data, up 115%. Total employees: 15 in October 2021 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does American Money Management, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (621); high net worth individuals (211).

**Which custodians does American Money Management, LLC use?**
American Money Management, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does American Money Management, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/115357

**Does American Money Management, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 24, 2026 says: "AMM’s minimum account size is $100,000; however, accounts under $100,000 may be accepted on an individual basis at the discretion of AMM."

**What changed in American Money Management, LLC's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 10 to 11. Regulatory assets under management went from $734,010,908 to $844,008,013 (+15%). Registered or notice-filed in ID, NV, TN.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Performance-based fees

### Fees and minimums (Form ADV Part 2A brochure dated March 24, 2026)

- Asset-based fee: 0.1% to 1.5% a year (a range, as the brochure states it)

> The annual fee ranges from 0.10% to 1.50% of assets being managed (“asset management fee”) and may be negotiable depending on the size and complexity of the client’s account.

- Account minimum: $100,000 (the brochure says it may be waived or negotiated)

> AMM’s minimum account size is $100,000; however, accounts under $100,000 may be accepted on an individual basis at the discretion of AMM.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $844,008,013
- Discretionary: $831,603,615
- Non-discretionary: $12,404,398

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 621 | $164,851,413 |
| High net worth individuals | 211 | $656,605,297 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $12,404,398 |
| Charitable organizations | Fewer than 5 | $6,716,510 |
| Corporations or other businesses not listed above | Fewer than 5 | $3,430,395 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2002 (24 years)
- Employees: 13 total, 11 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, ID, IL, MI, NH, NJ, NV, NY, OR, PA, TN, TX, VA, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Brawley, CA

### Websites listed on Form ADV (Item 1.I)
- americanmoneymanagement.com
- americanmoneyretire.com
- americanmoneyretirement.com
- ammdividendletter.com
- ammfunds.com
- amminvest.com
- divorcefinancialconsulting.com
- gabrielwisdom.com
- Facebook @AMERICANMONEYMANAGEMENT
- Instagram @ammpersonalfinance
- LinkedIn @amm-divorce-financial-consulting
- LinkedIn @ammllc
- TikTok @ammpersonalfinance
- X @AMMINV
- YouTube @UC4i5Rn2Pl5hzAx3soXkuzBw
- YouTube @UCJYT0trsbwUVGJDMe8Jx_AA

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $392,985,320 | 15 | July 20, 2021 |
| October 2022 | $552,988,201 | 14 | July 29, 2022 |
| October 2023 | $552,812,983 | 14 | March 28, 2023 |
| October 2024 | $660,473,182 | 12 | March 8, 2024 |
| October 2025 | $734,010,908 | 12 | February 21, 2025 |
| October 2026 | $844,008,013 | 13 | March 24, 2026 |

Regulatory assets under management: $392,985,320 in the October 2021 data and $844,008,013 in the October 2026 data, up 115%.
Total employees: 15 in October 2021 and 13 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 10 to 11.
- Regulatory assets under management went from $734,010,908 to $844,008,013 (+15%).
- Registered or notice-filed in ID, NV, TN.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. American Money Management, LLC (CRD 115357): Form ADV filing data as of October 2026.