WELCOME to the award-winning investment management firm* of Edelman Financial Services. For more than 30 years, tens of thousands of people just like you have enjoyed the advice and services provided by our talented and experienced financial advisors. Now, thanks to the latest technology, you can enjoy complete access to our investment management services ONLINE!
Although most of our clients invest hundreds of thousands, or even millions of dollars, you can open an account with just $5,000. Many investment management firms require that you invest $250,000, $500,000, $1 million or even more! Of course, we’re happy to serve our affluent and wealthy individuals, families and organizations who comprise the majority of our clientele, and we’re equally proud to offer our services to the millions of Americans who are turned away by other investment advisors. Indeed, we’ve learned over the years that it’s as much fun helping people become wealthy as it is helping people stay that way! This commitment reflects our dedication to community service.
Edelman Financial Services is one of the largest financial planning and investment management firms in the country, with more than $18 billion in assets under management for more than 31,000 individuals and families. EMAP gives you the ability to invest in the same way that institutional investors, pension funds and endowments invest their billions of dollars – using the same investment strategies they often use.
To find out how your money should be allocated among various asset classes and markets, use our unique, interactive Guide to Portfolio Selection. It’s fast, fun and free! And then, if you wish, you’ll be ready to open your EMAP account.
*Throughout the firm’s 30 year history, EFS and Ric Edelman have been presented with numerous business, advisory, communication and community service awards. More information on these awards can be found at Edelman Financial Awards.
The Edelman Managed Asset Program®
The Edelman Managed Asset Program® features a variety of asset allocation models. But which model (or combination of models) is right for you?
EMAP models avoid substantial turnover by emphasizing market-based (not manager-based) investments.
You’ll have access to institutional mutual funds used by some of the nation’s largest institutional investors. EMAP also uses exchange-traded funds (ETFs), which like institutional funds, are low in cost. These savings translate into more of your money working for you.
Every client’s account is examined on a daily basis to identify opportunities for rebalancing. Once the need is identified, your model will be rebalanced automatically.
The universe of investments is constantly reviewed for opportunity. If a superior alternative is found, it can be swiftly incorporated into your asset allocation model.
The fee is based on the value of your account. The more you invest, and the higher your account value grows, the lower your rate — potentially providing valuable savings to you. And with EMAP, you never pay any commissions, brokerage fees or trading costs.**
1Investing strategies, such as asset allocation, diversification, or rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. Past performance does not guarantee future results.
**Clients pay a wrap fee, which covers brokerage execution costs, without regard to the number of transactions executed during the billing period. EFS has negotiated fees with TD Ameritrade, Fidelity, and Pershing Advisor Solutions (“PAS”) for clearing and execution services. Transaction costs imposed by these brokerage firms are covered as part of the wrap fee. The wrap fee does not include certain account and securities-related costs, including the fees embedded in the mutual funds, ETFs or annuities in which wrap fee accounts invest. In addition, the fee does not include debit balances, related margin interest, IRA and retirement plan fees, transfer fees, SEC fees, 12b-1 fees for certain money market funds, wire transfer fees, overnight check fees, account closing fees, paper statement delivery fees, non-standard asset fees, insufficient fund fees, returned check fees, transaction charges for fund level asset allocation model trades, expenses charged by the mutual funds (including management fees, transaction charges incurred for fund-level asset allocation model trades, custody of fund assets and other fund expenses), expenses charged by the variable annuities and exchange-traded funds, or other fees or taxes that are required by law. EFS may from time to time, at its sole discretion reimburse clients for certain fees or charges which are not due to the client’s error. As noted above, we anticipate that transactions placed in your account will be executed through either TD Ameritrade, Fidelity, or PAS, however, in the limited circumstances described below, EFS may choose to execute trades with another broker-dealer if we reasonably believe that another broker-dealer can obtain a more favorable execution under the circumstances. Specifically, occasionally, (typically less than 5% of the time), EFS will utilize broker-dealers other than TD Ameritrade, Fidelity, or PAS to execute large transactions when we determine it is in our clients' best interest. This occurs when the size of the transaction in any one security is so large that it could cause the price of the security to fluctuate, up or down, resulting in an unfavorable execution price for our clients. We will typically execute such trades with a broker-dealer other than TD Ameritrade, Fidelity, or PAS if a different broker-dealer has the capability to handle such large transactions and to reduce or eliminate the potential negative price fluctuation. In these instances, the wrap fee does not include the compensation that is paid to the broker-dealer. This compensation is embedded into the price of the security which is paid by the client. These additional costs are in addition to the wrap fee paid by the client.
Your answers will help us understand how much risk you want in your portfolio. You’ll be done in just a few minutes! As you answer each question, have a specific investment account in mind – one you currently have or one you want to create.
Based on the information you provide, we’ll show you an asset allocation model that is right for you. You can change your answers to see how new answers alter your model. (Remember, though, that changing your answers alters the amount of risk you say you’re willing to take.)
The next step is up to you. If you’d like to open an account with Edelman Financial Services and invest in an EMAP portfolio based on your suggested allocation model, just click to get started. You’ll then answer some additional questions to open your account. If you prefer to learn more about Edelman Financial Services and our investment philosophy and services just click and watch one of our videos or give us a call. And if you want to take a break, you can save your progress along the way and continue later.
The GPS is a “risk-based” analytical tool. It doesn’t take into account your personal financial goals. So if you prefer a “needs-based” approach, talk with an Edelman Advisor by calling 800-494-9332 or send an email to edelmanonline@ricedelman.com.
We created the Edelman Managed Asset Program to help investors avoid the deceptive business practices of the retail mutual fund industry. Over the past decade, many people have discovered that their investments were far riskier than they had thought, were costing them more than they wanted and were earning returns that were much lower than they needed. We designed EMAP to help solve these problems.
Instead of gambling your future on a single stock, or a big bet, your money will be diversified among thousands of securities from up to 40 countries, giving you the opportunity to enjoy the returns offered by the global financial marketplace. And instead of worrying about whether the stock market is going to rise or fall, EMAP’s outlook is focused on years, even decades ahead – matching your time horizon to your goals and objectives.
Most important, your portfolio includes a strategic daily rebalancing review designed to help lower your investment risks and improve your returns. And all the while, EMAP uses low-cost exchange-traded funds and institutional-class mutual funds, so you avoid the higher fees charged by antiquated retail mutual funds.
As our client, you’ll never pay any commissions to buy investments. Instead, EMAP features a single annual fee. It is calculated quarterly and debited from your account quarterly in arrears, based on the average daily balance of all the accounts in your household and adjusted for any deposits or withdrawals. and you’ll see the fee right on your statement. Best of all, the fee is based on the value of your accounts, so the more you invest and the higher your account value grows, the lower your rate – that can mean valuable savings for you.
All this explains why EMAP is different from other investment management programs – and why it’s so popular with investors. Don’t you deserve the benefits of EMAP? Get started right here, right now.
For more information about how EMAP works and our fee schedule, visit our FAQ page.
