Andraos Capital Management, also known as ACM, is a pension planning and financial services firm located in Glendale, Calif. The firm specializes in sales of disability and life insurance products and services for small business owners and high-net-worth clients. It helps clients to create, accumulate, preserve and utilize capital. Founded in 1989, Andraos Capital Management provides asset accumulation, distribution and protection and business planning services. The firm is affiliated as a pacific agency with the UNIFI Companies, which includes Ameritas Life, Acacia Life and Union Central Life and affiliated companies. The parent company operates offices in Lincoln, Neb., Bethesda, Md., and Cincinnati.