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.
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
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.
Logan A. Farrer
Portfolio Administrator
Logan is the Portfolio Administrator at AmeriTrust Capital Management. She monitors the daily trading activities, account management and distributions for our clients.
Logan received her Associates Degree from Orange Coast College with additional studies at CSU Fullerton and Sonoma State University. Her past experience includes office management and a stint at LPL Financial.
Katherine Dary
Trading Administrator
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
CFO
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.
John G. Grelck IV
Consultant
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 and he is a CFP® professional.
Helping You
achieve peace of mind.
FAQs
Where are your clients located?
While our headquarters are in Santa Ynez, California, our clients are located throughout the United States. We estimate 75% of our clients are in California. We are also registered in the state of Washington which is our second largest presence in the United States.
With what types of clients do you work?
Our clients consist of individuals, families and businesses. We generally work with the following clientele:
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- 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.
Blog
Why Financial Advisors Are Still Necessary
The rising popularity of robo-advisors has some in the industry wondering whether this is the beginning of the end for financial advisors.
In reality, robo-advisors have been able to do something that traditional financial advisors have not; get those with limited resources to begin creating a portfolio of investments.
Experienced financial planners typically don’t accept clients with less than $200,000 or (much) more in their portfolio. On the other hand, some robo-advisors are accessible with as little as $1,000, with others not having a minimum balance requirement at all.
Student Debt - 4 Tips to Get Your Finances to a Passing Grade
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.
An Estate Planning Primer for Business Owners
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.
5 Ways to Make Your Budget Go Further
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.