3. Welcome to Sammut Wealth Management.
We deliver digital financial planning services to entrepreneurs,
executives and families who have significant demands on their
time and seek a “Total Approach” to personal financial
management.
Our process goes beyond financial statements or the daily
fluctuations of the stock market. Working on a consulting basis, we
aggregate your entire net-worth and cash flow statement for real-
time access. We collaborate with your trusted advisors online. We
have over two decades of experience working with clients like you.
We believe your financial information should be organized, up to
date, easy to understand and accessible to you whenever you
want, from wherever you are.
We provide total
financial oversight in
real-time.
4.
5. Our consulting process provides clarity and saves you time.
We start by organizing your complete financial picture
on a private and secure financial website. We analyze
where you are relative to your objectives, and we
evaluate scenarios that may impact the achievement
of your goals.
We help you implement recommendations, either in-
house or through programs outside our custody. And
we continuously monitor your complete financial
situation to ensure you remain on track.
As a fiduciary,
we are
obligated to
act in your best
interest.
6.
7. We aggregate your entire balance sheet for a 360⚬ view.
COMPLETE FINANCIAL PICTURE
We link all your financial accounts for a complete and up-to-date view of
your financial situation. Our analysis and recommendations are
comprehensive and reflect current market conditions.
DEEPER UNDERSTANDING, BETTER RECOMMENDATIONS
Our 360⚬ view of your financial world can help improve overall
performance, minimize the impact of debt and taxes and save you
valuable time. With your goals as the centerpiece of our process, we
provide you financial reports that clearly illustrate where you are now
and how our recommendations can help you reach your goals.
MONITOR PROGRESS
With a daily snapshot of your progress, we can alert and remind you of
financial factors that may impact your ability to achieve your goals. This
relieves you of organizational burden, allowing you to focus your
energies on what matters most in your life.
INCREASED COLLABORATION
Our wealth management system provides both you and your team with
a secure view of your financial progress. We can collaborate with you
online at anytime, no matter where you are.
8.
9. A single access point for your entire financial landscape.
PERSONAL FINANCIAL DASHBOARD
Your Personal Financial Website
serves as a secure, up-to-date
window into your entire financial
world – accessible to you at
anytime from anywhere with an
internet connection or mobile
device. Unlike online banking,
online shopping or bill pay, our
system is non-transactional.
10. John is the Founder and President of Sammut
Wealth Management. He specializes in wealth
consulting for executives, entrepreneurs, CPAs and
attorneys who desire integrated financial oversight
delivered in real-time.
John Sammut, President
john@sammutwealth.com
John began his investment career in 1995 as a financial advisor with Dean Witter in
Baltimore, Maryland where he developed a client roster focusing on bank directors and
business owners. In 1999, after he and his wife Erin returned to their hometown of
Skaneateles, New York, John joined the Syracuse office of Morgan Stanley where he was
an early user of exchange-traded funds in designing custom client portfolios managed
on a fee basis.
In 2005, John moved his business to RBC Wealth Management, a subsidiary of Royal
Bank of Canada, where he specialized in wealth planning, investment policy and
discretionary portfolio management. While with RBC, he earned the Accredited Wealth
Manager (AWM) designation, an advanced certification program offered through a
collaboration between RBC and the Estate and Wealth Institute of Michigan State
University. The four month curriculum focused on advanced wealth strategies including
asset protection, trusts and estates, and executive financial planning.
With nearly two decades of experience and a desire to offer more integrated client
solutions on a consulting basis, John founded Sammut Wealth Management in 2014.
The firm serves private clients, families and their team of tax, estate, insurance and real
estate advisors. Working as an outsourced "Virtual CFO", SWM delivers personalized,
comprehensive digital financial planning services for entrepreneurs and executives who
have significant demands on their time and seek a "total approach" to personal
financial management. Since inception, the firm has invested substantially in
technology to enhance efficiency of operations and client service.
Sammut Wealth Management has also aligned with world-class partners who assist in
providing an exceptional client experience. Commonwealth Financial Network®, the
nation's largest privately held independent broker-dealer, provides back-office,
technology, compliance and trading support in addition to valuable resources in the
areas of advanced wealth planning and fiduciary oversight.
11. John has earned the Accredited Investment Fiduciary® Designation (AIF®) from the
Center for Fiduciary Studies. A fiduciary is any investment professional or financial
advisor who is required by law to act solely in the best interest of the client. The
AIF® designation represents specialized knowledge of fiduciary responsibilities and
a strict adherence to a client code of ethics:
• Act with honesty and integrity and avoid conflicts of interest, real or perceived.
• Ensure the timely and understandable disclosure of relevant information that is
accurate, complete, and objective.
• Be responsible when determining the value of my services and my form of
compensation; taking into consideration the time, skill, experience, and special
circumstances involved in providing my services.
• Know the limits of my expertise, and refer my clients to colleagues and/or other
professionals in connection with issues beyond my knowledge and skills.
• Respect the confidentiality of information acquired in the course of my work, and not
disclose such information to others, except when authorized or otherwise legally
obligated to do so.
• Not exploit any relationship or responsibility that has been entrusted to me.
John serves on the eMoney Advisory Board and is current Treasurer of the Finger
Lakes Chapter of the Antique and Classic Boat Society. He is also a member of the
Skaneateles Country Club and Phi Gamma Delta Fraternity.
A 1992 graduate of Gettysburg College, John earned a BA in Management with a
minor in English literature. He is also a graduate of the Hotchkiss School in
Lakeville, CT.
Outside of the office, he enjoys running, fishing, reading, photography and travel.
He is also a bit of a music enthusiast. For a number of years, he played guitar for a
local cover band, but after too many late nights (and Monday mornings that came
way too early) he retired to focus on family, clients and his career.
Born and raised in Central New York, John lives in Skaneateles with his wife Erin
and their dog Max.
12. John Sammut, AIF®
Sammut Wealth Management LLC
1391 East Genesee Street, PO Box 267
Skaneateles, NY 13152
Tel 315.217.5000
john@sammutwealth.com
www.SammutWealth.com
Securities and advisory services offered through Commonwealth Financial
Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed
insurance products and services offered through CES Insurance Agency.
