What Ameritime does

Ameritime is a privately held financial advisory firm founded in 1989 and headquartered in Crystal City, Missouri, that specializes in retirement and pension planning for Missouri public school educators. The firm exclusively serves members of two state pension systems: the Public School Retirement System (PSRS) for certified educators and the Public Education Employee Retirement System (PEERS) for non-certified staff. Its core offering is The Control Option (TCO), a structured three-step methodology — Discover, Strategize, Measure & Monitor — delivered through an Integrated Financial Network (IFN) that coordinates multiple independent financial services under a single engagement. Service lines include Cash Flow Strategies, The Income Maximizer, Investment Strategies, Estate Planning, Social Security/Medicare guidance, Life Insurance, and Tax Strategies, with annual informational packets (PSRS Packet and PEERS Packet) refreshed each year.

The firm has no proprietary technology platform; its infrastructure is built around human advisor expertise, the IFN coordination model, and a multi-channel marketing approach. Revenue is generated through professional services fees and multi-year advisory contracts, with no publicly disclosed pricing tiers. Ameritime employs 1-10 staff and operates five physical offices across Missouri (Crystal City, Cape Girardeau, Kirkwood, Monroe City, Dexter), reaching clients through in-person school/district presentations, referral-driven sales, radio and social media advertising, web search, and event sponsorships. The firm claims to have met with "thousands" of teachers, coaches, and educational professionals across the state since its founding. Strategic Tax (strategictax365.com) appears as a partnered tax advisory extension of the core practice.

Name

Ameritime

Legal name

Ameritime

Website

https://ameritime.net

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

Ameritime is a Missouri-based financial advisory firm founded in 1989 that specializes in pension maximization and retirement planning for Missouri public school educators who are PSRS or PEERS members, delivering coordinated advisory services through its Integrated Financial Network across five statewide offices.

Ownership category

akta.pro rank

Product category

Financial Advisory & Retirement Planning Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Financial advisory services
• Retirement planning
• Pension maximization
• Educator financial planning
• Wealth management

Headquarters

HQ city

Crystal City

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Financial Advisory Services: Ameritime generates revenue through financial advisory and consulting services for Missouri educators. They offer guidance on pension maximization, cash flow strategies, investment strategies, estate planning, tax strategies, and life insurance. Revenue is likely derived from fees for financial planning services, likely professional services or subscription-based advisory retainers.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Ameritime is a financial advisory firm that delivers personalized retirement and pension planning services exclusively to Missouri public school educators who are members of the PSRS (certified employees) or PEERS (non-certified employees) retirement systems. Using its proprietary Control Option (TCO) methodology coordinated through the Integrated Financial Network (IFN), the firm provides pension maximization, cash flow strategies, investment advisory, estate planning, Social Security/Medicare guidance, life insurance, and tax planning services. Services are delivered through one-on-one advisor consultations across five Missouri offices and on-site school/district presentations.

Product overview

Ameritime is a financial advisory firm offering a unified platform of financial planning services for Missouri educators. The core offerings include The Control Option (TCO) process—a structured three-step methodology (Discover, Strategize, Measure & Monitor)—delivered through an Integrated Financial Network (IFN) that serves as a one-stop-shop coordinating various financial services. The portfolio includes specialized pension-related products (PSRS Packet and PEERS Packet for different educator categories) alongside advisory services such as Cash Flow Strategies, The Income Maximizer, Investment Strategies, Estate Planning, Social Security/Medicare Information, Life Insurance Strategies, and Tax Strategies. All services are designed to work together within the IFN to help PSRS/PEERS members maximize pensions and optimize their complete financial picture.

Differentiator

Problem solved

Functional benefit

Brands

• Integrated Financial Network (IFN®): A network that provides one-stop-shop financial services for Missouri educators, offering expert advice on their complete financial picture including pension maximization, cash flow control, retirement planning, and wealth management.

Products and services

• The Control Option (TCO) A structured three-step financial planning process (Discover, Strategize, Measure & Monitor) that helps Missouri PSRS/PEERS educators discover, strategize around, and measure their financial goals in coordination with the Integrated Financial Network.
• Integrated Financial Network (IFN) A one-stop-shop registered network that coordinates multiple independent financial services — pensions, cash flow, investments, estate planning, Social Security, life insurance, and tax strategies — for Missouri educators in one convenient place.
• Cash Flow Strategies

Quantifiable outcome

• Thousands of educators served since 1989

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Integrated Financial Network (IFN)coreStrategic or Co-development PartnerAmeritime collaborates with the Integrated Financial Network (IFN) to provide comprehensive financial services to Missouri educators. The IFN serves as a one-stop-shop offering expert advice on complete financial pictures including pensions, cash flow, investments, estate planning, Social Security, life insurance, and tax strategies. Once an educator partners with Ameritime, the firm communicates with IFN professionals to ensure efficient methods of addressing that educator's financial needs.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AIG Retirement Services (formerly VALIC): AIG Retirement Services is a national provider of retirement plan products and services specifically targeted at educators, healthcare professionals, and public-sector employees, including 403(b) and 457(b) plans. It competes directly with Ameritime for the same educator retirement advisory customer base, though with national rather than Missouri-only reach.
• Public Pension Advisors: Public Pension Advisors provides consulting and advisory services specifically focused on public-sector pension and retirement plans, including for educators and government employees. It targets a closely adjacent customer base to Ameritime and offers overlapping pension optimization and retirement income planning expertise.
• National Benefit Services (NBS): National Benefit Services is a third-party administrator specializing in 403(b), 457(b), and other retirement plans for public-sector employers, including school districts. It provides plan administration and participant services that intersect with Ameritime's educator retirement advisory work, though primarily on the administration side rather than individual financial planning.
• Horace Mann: Horace Mann is a financial services company specializing exclusively in the educator market, offering retirement planning, life insurance, and investment products to teachers and education professionals. It is the most direct competitor to Ameritime, sharing the same target customer (K-12 educators) and similar retirement/income maximization value proposition, though operating nationally rather than state-specific.
• WEA Financial Services: WEA Financial Services is a Wisconsin-based financial services firm that provides retirement planning and investment advisory services specifically to Wisconsin public school educators. Its business model closely mirrors Ameritime's — a state-specific focus on educator pension systems (WERP in Wisconsin vs. PSRS/PEERS in Missouri) with personalized advisory delivery.

Broad incumbents

• TIAA (formerly TIAA-CREF): TIAA is the dominant incumbent in the U.S. educator retirement market, serving academic and healthcare professionals with retirement plan administration, investment management, and individual advisory services. As a broad incumbent, TIAA offers overlapping capabilities to Ameritime (pension/income planning, investment advisory, life insurance) but as part of a national, institutional portfolio rather than a state-specific niche.
• Empower Retirement: Empower Retirement is one of the largest U.S. retirement plan recordkeepers and administrators, serving corporate, government, and education-sector plans. As a broad incumbent, it offers retirement plan administration, investment advisory, and participant services that overlap with Ameritime's offerings, though Empower targets plan sponsors at scale rather than individual Missouri educator advisory.
• Voya Financial (formerly ING U.S.): Voya Financial is a large retirement, employee benefits, and investment management company with significant presence in the K-12 educator market through its retirement plan administration and individual advisory services. As a broad incumbent, it competes with Ameritime for educator retirement assets but operates nationally across multiple customer segments.

Emerging players

• 403(b) Wise: 403(b) Wise is a digital advisory platform specializing in helping educators optimize their 403(b) retirement plans with fee analysis, rollover guidance, and investment recommendations. It represents an emerging, technology-driven approach to the same educator retirement advisory niche Ameritime serves, and could compete for younger, digitally-native Missouri educators.

Regional players

• EECU (Educators Credit Union): EECU is a Texas-based credit union serving the education community, offering retirement savings, investment, and financial planning services to educators. While it targets the same persona as Ameritime, it operates in a different geography (Texas vs. Missouri) and functions more as a credit union than a pure pension-maximization advisor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ameritime