American Money Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, divorce planning, estate planning, and retirement plan services. Financial planning was provided to 101–250 clients last fiscal year.
American Money Management reports 832 clients. They include 621 individual clients and 211 high-net-worth individuals. Of its assets, 98.5% ($832M across 1,859 accounts) are managed with discretion; $12.4M across 3 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 75% | 20% |
| High-net-worth individuals | 25% | 78% |
| Pension and profit-sharing plans | Fewer than 5 | 1% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 621 | $165M | 19.5% | $265K |
| High-net-worth individuals | 211 | $657M | 77.8% | $3.11M |
| Pension and profit-sharing plans | Fewer than 5 | $12.4M | 1.5% | — |
| Charitable organizations | Fewer than 5 | $6.72M | 0.8% | — |
| Corporations and other businesses | Fewer than 5 | $3.43M | 0.4% | — |
| Total | 832 | $844M | 100% | — |
- Clients
- 621
- Regulatory AUM
- $165M
- AUM share
- 19.5%
- Avg. per client
- $265K
- Clients
- 211
- Regulatory AUM
- $657M
- AUM share
- 77.8%
- Avg. per client
- $3.11M
- Clients
- Fewer than 5
- Regulatory AUM
- $12.4M
- AUM share
- 1.5%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $6.72M
- AUM share
- 0.8%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $3.43M
- AUM share
- 0.4%
- Avg. per client
- —
Total
- Clients
- 832
- Regulatory AUM
- $844M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
American Money Management charges 0.10%–1.50% a year for its Asset management fee. The fee is billed in advance, is negotiable and requires an account of at least $100,000. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Planning is generally included in the asset management fee; for non-asset management clients, a fixed and/or hourly fee typically ranges from $2,500 to $5,000.
Gabriel Wisdom owns 50% to 75% of American Money Management. The leadership team of American Money Management includes Chief Investment Officer Michael Moore and Chief Compliance Officer Marnie Baird. It has 13 employees, 11 of them in advisory roles.
Staff
- 13 employees
- 11 in advisory functions
- 4 soliciting firms
- Owns 50% to 75% of American Money Management, LLC
Gabriel Wisdom
Control person · since January 1999
- Owns 50% to 75% of American Money Management, LLC
Michael Moore
Control person · since April 2006
American Money Management’s regulatory assets grew 2.1× from $393M (July 2021) to $844M (March 2026); clients rose from 636 to 832 and employees fell from 15 to 13.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $844M | 832 | 13 | 5 |
| Feb 2025February 2025 | $734M | 758 | 12 | 5 |
| Mar 2024March 2024 | $660M | 740 | 12 | 4 |
| Mar 2023March 2023 | $553M | 769 | 14 | 5 |
| Jul 2022July 2022 | $553M | 743 | 14 | 5 |
| Jul 2021July 2021 | $393M | 636 | 15 | 5 |
Besides its headquarters, American Money Management has 4 offices (3 private residences, listed without an address), with 2 listed addresses in 1 state.
California · 2 listed addresses
- 14249 Rancho Santa Fe Farms Road, Rancho Santa FeHQ
- 220 W Main St., Ste B, Brawley
Contact and registration details
- Legal name
- American Money Management, LLC
- Headquarters
- 14249 Rancho Santa Fe Farms Road, Rancho Santa Fe, CA 92067
- Website
- amminvest.com
- Phone
- 858-755-0909
- SEC file
- 801-60976
- Founded
- 1999
- Structure
- California LLC
- Fiscal year end
- December
American Money Management’s named custodian for separately managed accounts is Charles Schwab ($832M). American Money Management has custody of $60.5M for 56 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $832M100%
At year end, American Money Management’s separately managed accounts were largely in stocks (45%) and funds (40%). Its reported 13F holdings for the quarter ended 30 June 2026 total $700M across 174 positions; the largest are Vanguard Short-term Treasury ETF (6.0%), Vanguard Short-term Corporate Bond ETF (5.5%) and Apple Computer Inc. (5.0%).
What the accounts hold
- Stocks45%
- Funds40%
- Registered funds37%
- Pooled vehicles3%
- Bonds6%
- U.S. government and agency bonds4%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash8%
- Other1%
- Includes collateralized notes issued by private consumer finance company.1%
How many clients does American Money Management have?
American Money Management has 832 clients and manages $844 million for them, as of March 2026. They include 621 individual clients and 211 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does American Money Management offer?
American Money Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, divorce planning, estate planning, and retirement plan services.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does American Money Management charge?
American Money Management charges 0.10%–1.50% a year for its Asset management fee. The fee is billed in advance, is negotiable and requires an account of at least $100,000.
Which custodians does American Money Management use?
American Money Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $832M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does American Money Management have?
American Money Management has 0 investment adviser representatives registered with state securities authorities, out of 13 employees, and 11 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does American Money Management invest in?
At the end of its last fiscal year, American Money Management’s separately managed accounts held 45% exchange-traded equities, 37% registered funds (mutual funds, ETFs, BDCs), 8% cash and equivalents, 4% U.S. government and agency bonds, 3% pooled vehicles (private funds and similar), 1% state and local bonds, 1% investment grade corporate bonds and 1% other. The 1% other category is described as: Includes Collateralized Notes Issued by Private Consumer Finance Company.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does American Money Management have a minimum investment?
Yes, American Money Management’s minimum account size for its Asset management fee is $100K.
Who owns American Money Management?
American Money Management’s direct owners are Gabriel Wisdom (50% to 75%) and Michael Moore (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does American Money Management get paid?
American Money Management is paid through a percentage of assets under management, hourly charges, fixed fees and performance-based fees. Its Form ADV lists no commissions among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact American Money Management?
American Money Management’s main office is at 14249 Rancho Santa Fe Farms Road, Rancho Santa Fe, CA 92067. Its phone number is 858-755-0909. Its website is amminvest.com.