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Personalized Wealth Management
Powerful Technology
Clear Decisions

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We help successful individuals and families make intelligent financial decisions by combining personalized planning with powerful technology.

We understand your full financial picture in real-time — including 401(k)s and outside investments — and provide clear, consolidated reporting and performance insights. We simplify complexity, so you can focus on what matters most.

Based in the Finger Lakes region of Central New York, we have over three decades of experience delivering investment management and consulting services to clients across the United States.

Who We Serve

Executives

We specialize in helping executives make the most of equity compensation, navigate concentrated positions, and coordinate tax strategy for long-term wealth building and protection.

Business Owners

From startup to succession, we provide guidance through every stage — integrating business cash flow, tax planning, and exit strategy into a cohesive personal financial plan.

Families

We work with multigenerational families to align values with wealth, supporting education, retirement, and legacy goals through comprehensive financial planning.

Client Case Studies

Curious how our planning makes a difference? See how we've helped clients across the country — from corporate executives to multi-generational families — take control of their financial future. Click on the case studies below.

Executives

Your company may explain the mechanics of exercising your stock options, but they can’t tell you when to exercise or how much you should own relative to your net worth.

View Case Study

Business Owners

A surprising majority of business owners have no transition plan in place. When it comes time to make important decisions about your business, will you be ready?

View Case Study

Families

Family financial conversations are rarely easy. Many people are uncomfortable and resist talking openly with loved ones about important wealth planning matters.

View Case Study

What We do

Why Clients Choose to Work With Us

Independent fiduciary advice with a personal touch. Our comprehensive planning approach delivers holistic financial strategies tailored to your goals, values, and vision for the future.
Seamless, real-time visibility into your entire financial life. Our integrated technology systems enable thoughtful oversight of all your assets, including 401(k)s and held-away accounts.
Deep insight and reporting. Customized reporting across all your assets — managed and held-away — in one clear, actionable view.

Our Services

Discretionary Investment Management. Portfolio strategies tailored to your unique goals, risk tolerance, and liquidity needs.

Retirement Cash Flow Planning. Build a sustainable income strategy that adapts to market cycles, tax considerations, and lifestyle changes.

Education Funding & Savings Strategies. Plan effectively for private school, college, or graduate education — without sacrificing your retirement goals.

Financial Planning for Business Owners. Holistic planning that integrates business and personal finances, including liquidity events and succession.

Employer Stock Planning. Navigate the complexities of stock options, RSUs, and ESPPs with a strategy aligned to your broader financial picture.

Integrated Tax Planning. Coordinate investment decisions with tax impact in mind — in collaboration with your CPA or our Strategic Tax Partners.

Coordinated Trust & Estate Planning. Ensure your legacy reflects your intentions, with coordinated planning between financial, legal, and tax professionals.

About Us

Meet John

After a 20 year career working with two large investment firms, John founded Sammut Wealth Management in January, 2014. Offering independent consulting and investment management services, he specializes in helping executives make more informed decisions concerning their company stock and total wealth.

Q&A

Why would someone want to do business with Sammut Wealth Management?

How has your background and experience influenced your career?

What is something your clients don't know about you?

Why do you choose to partner with Commonwealth Financial Network?

What do you like to do when you're not working?

Meet Erin

Erin brings a wealth of experience, lots of personality, and an incredibly strong work ethic to our company and clients. As Director of Client Services, Erin’s responsibilities include overseeing all client administration and operations. In addition, she handles vendor and partner relations, oversees operational systems and workflows, and is in charge of marketing and public relations for the firm.

Q&A

How has your background and experience prepared you for your role at the firm?

I started in the retail business, working for Banana Republic in Washington, DC and Los Angeles. I was later promoted to store manager, overseeing a number of locations in the Baltimore/Washington region.

My background in retail sales taught me lessons in delivering a great customer experience, which is part of our mission at SWM. And managing a group of stores for a major retailer helped me learn the basics of running a successful operation. Later, I was hired as the Executive Assistant for the Mid-Atlantic Vice President, which gave me valuable experience working in an executive capacity at a Fortune 500 company.

In 2008, I started a personal concierge business called “The Go-to Girl”, where I helped a select group of clients organize their homes, maintain their property, help plan events, and align with specialists. Later, while still active in the concierge business, I joined Finger Lakes Realty Partners as office manager and became a licensed agent.

What is something your clients don't know about you?

My parents died young (Father at 63, Mother at 66). My dad was in charge of financials and my mom wasn’t really involved, so when he died I could see that my Mom became stressed and overwhelmed because she didn’t have the day to day involvement that he did. This was very common with this generation. At Sammut Wealth Management I want to really empower spouses to become more knowledgeable about their financial household so that they have confidence when the time comes for decision making.

What do you enjoy most about your work?

The best thing about my work is to see the smile on a client’s face or hear the happiness in their voice when they need help and I have a solution. Giving our clients the best support and experience is very rewarding to me.

What is it like working with your spouse?

It’s challenging sometimes. Thank goodness John and I have a very open line of communication and we laugh a lot. We have come into this marriage and business as a team speaking our truths, helping each other grow in our strengths while continually improving our weaknesses.

What are your hobbies outside the office?

John and I have made a conscious effort to become healthy in our mind, body and spirit. I love to meditate, practice Pilates, yoga, circuit train and cross country ski to break up our upstate New York winters. We also love to travel and spend time with our dog Samson!

A Partnership that benefits You.

Sammut Wealth Management is partnered with Commonwealth Financial Network®, a broker-dealer and investment adviser who assists us in providing an exceptional client experience.

Founded in 1979, Commonwealth has the scale, stability, and resources to help us deliver innovative and integrated solutions. With a staff of more than 850, Commonwealth helps approximately 1,950 independent advisors* serve their clients. The firm is privately held and manages total account assets of approximately $161 billion.^*

Commonwealth is our secret weapon. As the nation’s largest privately held independent broker-dealer, the firm's vast infrastructure is built around doing whatever it takes to deliver everything advisors need to serve their clients. The firm’s always–expanding resources help ensure that we can deliver the best possible guidance and the prompt, personal service you expect and deserve. Among the many reasons we choose to affiliate with them, here are a few:

Commonwealth is extremely selective, turning away more than half of the advisors who want to partner with it. The firm seeks to partner with advisors with an exemplary compliance history; a prudent, balanced approach to investing and managing assets; and a highly personalized way of doing business.
Commonwealth excels in its commitment to safeguarding your privacy and ensuring that your investment data remains secure. Its encryption standards, redundant data centers, and disaster recovery plans make us confident that the information you entrust us with will remain well protected.
Fidelity Clearing & Custody Solutions^SM (FCCS)* provides clearing, custody, and other brokerage services to Commonwealth through National Financial Services LLC (NFS). Like Commonwealth, NFS is an industry leader with a long and stable history of customer service excellence. We have the utmost confidence in the proficiency with which NFS handles every trade, statement, report, and myriad other transactions for millions of clients—and we believe that you can as well.
The firm’s Compliance team offers a flexible, responsive framework that allows us to understand what various industry regulations mean and how to work within them to achieve your goals.
Investment choice. Commonwealth provides us with an open investment platform, which gives us access to the complete universe of solutions from which to recommend the best choices for you based on your financial objectives, personal investment style, and risk tolerance.
Breadth of expertise. Dozens of experts in estate planning, taxation, risk management, business planning, charitable giving, and retirement planning are available to consult with us to ensure that the recommendations we make are the right ones for your financial situation.
Service. The firm’s advisor-to-staff ratio is one of the best in the industry. This means that staff members attend to us promptly, execute transactions quickly and accurately, and, in general, offer first-class service to help us provide the same to you.
Technology. Commonwealth’s secure, web-based platform allows us to efficiently and easily manage all aspects of your financial life and offer you easy access to your accounts through our website.
Access to top management. Commonwealth’s business model and corporate culture allow us open access to the firm’s 13 managing partners, who have an average tenure of more than 24 years and a hands-on approach to day-to-day operations. The availability of this depth of knowledge translates directly into better, faster, more informed decisions for you.

In addition, we are proud to be associated with an organization that has received acknowledgments of its workplace culture year after year in the Boston and San Diego areas where its home offices are staffed. The firm has been recognized 38 times and counting as a Best Place to Work by:

The Boston Globe
Boston Business Journal
San Diego Business Journal
The San Diego Union–Tribune
Computerworld

For More Information, visit www.commonwealth.com

*As of 12/31/18

** Fidelity Clearing & Custody Solutions^SM (FCCS) is an independent company, unaffiliated with Commonwealth. FCCS is a service provider to Commonwealth and provides clearing, custody, and other brokerage services to Commonwealth through National Financial Services LLC (NFS), member NYSE, SIPC. 807841.1.0