Atwater Malick

Atwater Malick, LLC, established in September 2008 by Matthew Charles Malick and Benjamin Howe Atwater, offers investment supervisory services tailored to individual client goals, risk tolerance, and time horizons. The firm provides ongoing portfolio management, financial planning, and consulting services covering various aspects such as life insurance, tax concerns, retirement planning, and investment planning. Investment strategies include goal-based, fundamental, and cyclical analysis, primarily focusing on individual equities, fixed income instruments, indexed exchange-traded funds, and cash equivalents. The firm operates as a fiduciary, acting in clients' best interests, especially in IRA rollovers, where potential conflicts of interest may arise due to fee structures. Clients are responsible for third-party fees, and fees for investment supervisory services are based on a percentage of assets under management, with negotiable terms. AM does not participate in wrap fee programs and has assets under management totaling $586,640,333 as of October 31, 2024. The firm reviews client accounts regularly, provides transparent fee structures, and does not engage in cross trading or accept compensation for the sale of securities to clients. Clients have the option to grant discretionary or non-discretionary trading authorization, with AM maintaining custody only for fee deduction purposes. The firm does not permit trade away brokerage and does not solicit prepayment of fees exceeding $1,200 per client. Additionally, AM does not accept voting authority for client securities and has a clean financial record with no bankruptcy petitions in the last ten years.