Your Investment Goals Are Our Business

We serve our clients by providing unbiased investment management services.

About Us

AmeriTrust Capital Management is a fee-only investment advisor dedicated to providing personalized investment advice to individuals and businesses.

For over twenty years, our primary focus has been to provide unbiased services that are designed to assist our clients in achieving their long-term investment and financial goals. 

What's Your Financial Freedom?

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

-Suze Orman

Our Services

Retirement & Education

With over 20 years of experience in Retirement Planning and Education, we provide a vast range of services for both individuals and organizations, ranging from Individual Retirement Accounts to Employer-Sponsored 401(k) Plans.

Wealth & Estate Management

As your Investment Advisor, we provide strategies to help you reduce taxes, plan for your financial future and ensure a smooth transfer of wealth to your loved ones.

Stocks, Bonds & Mutual Funds

Our team will lead you through investing in stocks, bonds, mutual funds, ETFs and so much more. We help you diversify your portfolio by having a mix of different investments.

Small Business Retirement Plans

The creation of the Simplified Employee Pension (SEP) and the Savings Incentive Match Plan for Employees (SIMPLE) affords smaller businesses with a way to offer their employees a retirement plan.

Success by Working Together

We serve our clients during the financial planning process through deep and meaningful relationships that last for generations.

Our Team

Mark J. Kavaloski

President and CEO

Mark is the President and CEO of AmeriTrust Capital Management, Ltd. Prior to forming his own company, Mark served clients as a Trust Officer for Bank of America, Wells Fargo and Sanwa Bank.

Lydia A. Lombard

Portfolio Analyst  

Lydia is the Portfolio Analyst for AmeriTrust Capital Management. She works with our business clients to implement and administer benefit savings programs (401k & Simple IRAs).

She also assists in evaluating portfolios, securities and our software systems. Lydia earned her Bachelor of Science degree in Financial Management from Sonoma State University and is currently studying to obtain her CFP from Boston University.

Kathryn Noble

Portfolio Administrator 

Kathryn is the Portfolio Administrator at AmeriTrust Capital Management. She monitors the daily trading activities, account management and distributions for our clients.

Kathryn received her B.S. in Political Science, with a minor in History from U.C. Irvine. She also received her Paralegal Certificate from U.C. San Diego.

Katherine Dary

Administrative Assistant 

Katherine is the Administrative Assistant for AmeriTrust Capital Management. She is responsible for reconciling, organizing documentation and administering fees to our custodians and clients.

Katherine attended Santa Barbara City College and is working to further her interest in finance at AmeriTrust Capital Management.

Elizabeth T. Kavaloski


Elizabeth Kavaloski provides fiscal oversight as the CFO for AmeriTrust Capital Management. Elizabeth brings over 18 years of experience in accounting, payroll and financial reporting.

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John G. Grelck IV


John supports our team on a consulting basis and currently manages several accounts. His twenty year association with AmeriTrust Capital Management continues to enhance our client offerings.

John graduated from Berry College in Georgia, receiving his Bachelor of Science degree in Finance.  He is a CFP® professional and is a member of the Financial Planning Association (FPA). 

Helping You

achieve peace of mind.



Where are your clients located?

While our headquarters are in Santa Ynez, California, our clients are located throughout the United States. We have a satellite office located in Los Angeles and frequently make trips to our clients, wherever they may be, to serve their financial planning needs. 


With what types of clients do you work?

Our clients consist of individuals, families and businesses. We generally work with the following clientele:

  • Individuals receiving distributions from corporate retirement plans and IRA rollovers.
  • Professionals and entrepreneurs seeking portfolio management. 
  • Multi-generational wealth, including family trusts and 529 savings plans.
  • Surviving spouses managing proceeds from estates.
  • Retirement plans for closely held companies, including 401(k) plans.

How do you charge?

We are a fee‐only investment advisor. We do not receive commissions or fees based on a client’s purchase of any financial products.


Will I be able to access all my information?

Absolutely. We have a client portal that is dedicated to you so that you can log in and view your information at any time. In the client portal, you can view reports such as your quarterly performance report.


How frequently will you communicate with us?

We focus on delivering proactive and transparent communication to you. If you choose, we will send you an email to approve our buy or sell recommendations along with a brief synopsis of each new equity. Depending on your account, you will receive either a monthly or quarterly report containing updates on your portfolio holdings and performance.

Lastly, you will receive updated market outlook information and important required notices from time-to-time.

Planning for Your Future

We help our clients manage the changing face of life.


Student Debt - 4 Tips to Get Your Finances to a Passing Grade

by Mark Kavaloski on Dec 15, 2017

So you’ve got your degree, now what?

These days, only on television is landing your dream job after graduation a thing that could actually happen. The reality is, in a recent survey of 503 - recent grads - entry-level job seekers by national career matchmaking firm GradStaf, “nearly 70 percent of respondents were either unemployed or working in a full-time non-professional job to make ends meet.” Pair that with the idea that ‘the average cost of one year at a public university for an in-state student is $20,090. That increases to $34,220 if you hail from out of state,” student debt is something far too many millennials have to face.

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An Estate Planning Primer for Business Owners

by Mark Kavaloski on Nov 30, 2017

As if business owners didn’t have enough to contend in managing their business and personal finances, there is one particular aspect of their financial lives that is often neglected until it’s too late, and that is the management of their estate. Yet, it is the one area of their financial picture that, if not thoroughly planned and managed, could have the most devastating consequences for their family and their business.

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5 Ways to Make Your Budget Go Further

by Mark Kavaloski on Nov 9, 2017

Bills, rent and saving for retirement makes every payday a budgeting reality. So in these times, it’s important to take some relatively easy steps to stretch your budget.

Start with your credit cards. Often people overlook where their money is going when it’s as easy as a tap, not to mention interest and fees:

1. Pay your credit card balance in full each month. If you don’t pay your credit card balance in full each month, you will be paying steep interest rates on the balance. That interest rate could easily be 15% to 20% or more annually.

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Is Your Classic/Collector Car Underinsured?

by Mark Kavaloski on Oct 12, 2017

In the wake of hurricanes Harvey and Irma, two of the worst storms to make landfall in the U.S., the fate of thousands of homeowners is still up in the air. So, it may seem a bit trivial to point out that the storms also destroyed thousands of luxury and classic cars. While the dollar amount of damages pales in comparison to the loss of homes, estimates put the total at somewhere between $100 million and $300 million for luxury and classic car damages alone, which is not a trivial amount.

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