Business Details
12 Years
experience
Trusted Financial Planning & Investment Management in Skaneateles, NY
Sammut Wealth Management was founded in 2014 by John Sammut, bringing over two decades of experience from major investment firms to create an independent advisory practice. Our firm specializes in helping executives, business owners, and multigenerational families navigate complex financial decisions through personalized planning and advanced technology. We provide holistic strategies that integrate investment management, tax coordination, and estate planning to align with clients' long-term goals. With a fiduciary duty to act in our clients' best interests, we offer consulting services without requiring asset management commitments. Our team combines deep industry expertise with a commitment to transparency, delivering customized reporting and strategic oversight across all financial assets.Headquartered in Skaneateles, New York, we serve clients nationwide through virtual consultations and in-person meetings. Our approach emphasizes empowering clients to make informed decisions while maintaining flexibility in how they engage with our services. We prioritize client relationships over product sales, ensuring recommendations are driven by individual needs rather than institutional incentives. Our continuity plan guarantees uninterrupted service through partnerships with trusted advisors.
Services
Discretionary Investment Management
Retirement Cash Flow Planning
Education Funding Strategies
Business Owner Financial Planning
Employer Stock Planning
Tax Coordination Services
Estate Planning Integration
Details
- Year established: 2014
Highlights and features
- We operate under a fiduciary standard requiring us to act solely in clients' best interests
- Our technology platform provides real-time visibility across all financial assets
- Clients can choose between consulting-only or asset management services
- We specialize in complex financial situations for executives and business owners
- Continuity agreement ensures uninterrupted service through trusted advisor partnerships
Associations and certifications
- Accredited Investment Fiduciary (AIF)
Services
Discretionary Investment Management
Customized investment strategies tailored to individual goals, risk tolerance, and liquidity needs. Our approach combines active portfolio management with ongoing market analysis to optimize returns while maintaining alignment with client objectives. Services include asset allocation, risk management, and performance reporting across managed accounts.
Retirement Cash Flow Planning
Comprehensive retirement income planning that considers market cycles, tax implications, and lifestyle changes. We develop sustainable withdrawal strategies while coordinating Social Security optimization, pension benefits, and required minimum distributions to ensure financial security throughout retirement.
Employer Stock Planning
Specialized guidance for executives managing stock options, restricted stock units, and employee stock purchase plans. Our analysis considers net worth allocation, tax consequences, and diversification strategies to maximize value while mitigating risk from concentrated equity positions.
Business Owner Financial Planning
Holistic financial planning that connects business operations with personal wealth goals. Services include liquidity event preparation, succession planning, and tax-efficient strategies for integrating business cash flow with personal financial objectives and estate plans.
Integrated Tax Planning
Strategic tax planning integrated with investment decisions and estate planning. We collaborate with CPAs and tax specialists to implement tax-efficient investment strategies, charitable giving plans, and income tax reduction techniques across the entire financial picture.
People
John Sammut
President
Founder with 20+ years at major investment firms, specializing in executive wealth management. Accredited Investment Fiduciary with expertise in stock option planning and complex financial strategies for high-net-worth clients.
Erin Sammut
Director of Client Services
Oversees client operations and marketing with retail management and concierge business experience. Focuses on client experience optimization and operational efficiency while maintaining fiduciary service standards.
Questions
What types of clients do you specialize in working with?
We focus on executives, business owners, and multigenerational families with complex financial situations requiring coordinated wealth management strategies.
Are you a fiduciary financial advisor?
Yes, we operate under a fiduciary standard requiring us to act solely in our clients' best interests at all times.
Can I work with you without moving my investments?
Yes, we provide consulting services for held-away accounts including 401(k)s and equity compensation programs without requiring asset transfers.
Do you have minimum investment requirements?
No, we work with clients regardless of portfolio size through our flexible consulting and asset management options.
How do you handle succession planning for business owners?
We integrate business succession strategies with personal financial plans, addressing liquidity events, tax implications, and estate planning coordination.
What happens if my advisor becomes unavailable?
Our continuity agreement ensures immediate transition to another qualified Commonwealth Advisor to maintain uninterrupted service.
