About Ric Edelman

Ric Edelman is one of the nation’s most acclaimed financial advisors. Barrons has 4 times (2004-2007) ranked Ric among America’s 100 top financial advisors and the #2 independent advisor of 2007. In 2004 Ric was inducted into the Financial Advisor Hall of Fame by Research Magazine.

The Edelman Managed Asset Program (EMAP) is a state-of-the-art program designed by Ric for his own clients. As one of the small group of advisors recruited by Ric to form the Edelman National Network, our clients have full access to EMAP

ABOUT EMAP

How the Program Works for You
The dynamic, versatile framework of the Edelman Managed Asset Program provides you with a carefully constructed and individually selected portfolio that is both highly diversified and custom-selected to meet your individual investment needs. Your portfolio is based on your individual circumstances, and features a variety of benefits to help you minimize expenses and manage risk while giving you the opportunity to obtain the long-term returns you seek.

Extensive Diversification
Instead of holding only some stocks and bonds, your portfolio will feature thousands of securities from as many as 19 separate asset classes and market sectors. This investment strategy helps manage risks as part of our goal of helping you to earn more consistent, competitive returns.

Market-Based Portfolios
EMAP portfolios avoid substantial turnover by emphasizing market-based (not manager-based) investments. This is quite a contrast compared to retail mutual funds, which often invest in a smaller number of securities and frequently change their holdings.

Dynamic Security Selection
The universe of investments is constantly reviewed for opportunity. If a superior alternative is found, it can be incorporated into your portfolio automatically. EMAP’s ability to move with the speed of the financial markets gives you additional confidence in your investments.

Institutional Mutual Funds and ETFs
You’ll have access to institutional mutual funds that you can’t buy on your own or through ordinary brokerage firms or financial planners. These funds are used by some of the nation’s largest institutional investors, putting you alongside many of the nation’s biggest and best-run organizations. EMAP also uses exchange-traded funds, one of the most advanced investment tools available. Both institutional funds and ETFs are quite inexpensive – the institutional and exchange-traded funds used in EMAP portfolios cost almost 85% less than ordinary mutual funds.

Strategic Rebalancing Through Daily Reviews
Even the best designed portfolio needs attention. Otherwise, a carefully constructed asset allocation will drift due to varying performances of the portfolio’s underlying investments. That’s why every client’s portfolio is examined on a daily basis: to identify opportunities for rebalancing. Once the need is identified, your portfolio will be rebalanced automatically. This helps manage your risks and your performance. There is no fee for this service – it’s all part of your experience: no additional fee and never any commissions.

Easy-to-Read Statements
You’ll receive monthly statements showing you the status of your account. You can also view your account 24/7 via EMAP’s secure client only Web site.

No Commissions – Just One Annual Fee
Unlike retail mutual funds, which charge the same annual management fee to all investors, no matter how much you invest, we base your fee on the value of your account: The more you invest, and the higher your account value grows, the lower your rate – potentially providing valuable saving to you. And with EMAP, you never pay any commissions, brokerage fees or trading costs.