American Investment & Mortgage

American Investment Services, Inc. (AIS) is an SEC Registered Investment Adviser established in 1978, operating as a fee-only firm from Western Massachusetts. Serving clients across the U.S. and globally, AIS specializes in independent asset management services for individuals, IRAs, estates, trusts, retirement plans, and charitable organizations. Their investment philosophy is rooted in the scientific research of their parent organization, the non-profit American Institute for Economic Research (AIER).

AIS distinguishes itself through its disciplined, research-backed approach, emphasizing market efficiency, diversification, and long-term investment discipline. They are known for developing the "High Yield Dow" strategy and providing clients access to low-cost fund products, primarily from Dimensional Fund Advisors (DFA) and Vanguard. Through their Professional Asset Management (PAM) service, AIS helps clients define and achieve financial goals, offering comprehensive portfolio management and financial planning, even for those with lower investable assets than their typical $300,000 minimum.

The firm's advisory process includes goal setting, data analysis, tailored portfolio recommendations with strategic asset allocation, and continuous monitoring. AIS prioritizes minimizing costs, explicitly avoiding sales loads and 12b-1 fees, with typical fund expenses averaging around 0.30%. Their portfolios often incorporate a diversified mix of U.S. and international stocks, bonds (government and investment-grade), and gold, with options for factor-based "tilts" to enhance returns for clients with higher risk tolerance.