Until now, consumers have been stuck using ordinary retail funds sold to them by stockbrokers and insurance agents, paying high commissions on the latest "hot" fund. Now, thanks to the Edelman Managed Asset Program®, you can invest the same way institutional investors, pension funds and endowments invest their money -- using time-tested, proven investment strategies.

Thanks to EMAP's sophisticated design, you enjoy three vital benefits that are important to every investor:

1. Lower Investment Risk

   Smart investors know that investing isn't merely about earning returns -- it's equally about controlling risk. Those who ignore risk do so at their own peril, as those who rushed into tech stocks in the 1990s can attest.
   
   That's why EMAP is designed first and foremost to manage your investment risks. We do this through extensive diversification -- far greater than typical investors are able to obtain on their own. Each EMAP portfolio features as many as 19 separate asset classes and market sectors -- and each of those typically contain hundreds, and in some cases thousands of securities through a market-based, not manager-based, investment approach.
   
   The goal is to avoid significant losses and generate consistent returns that are competitive with the overall financial marketplace, so that it's easier for you to achieve your investment goals.
   

2. Lower Investment Costs

   EMAP uses only no-load institutional funds and exchange-traded funds that feature astonishingly low costs. Our clients typically pay less than 0.4% per year for their investments -- a tiny fraction of the 2% to 3% that investors pay for ordinary retail mutual funds. Even after including our management fee, most consumers find themselves saving money. By lowering your costs, EMAP helps you put more of your money to work for you.
   

3. Consistent, Competitive Strategy

   EMAP's extensive diversification enables you to share in the returns offered by the broad financial markets. By managing risks and costs across asset classes, your portfolio can be more competitive within the marketplace. This is just one more benefit that can support you in achieving your investment goals. Lower Risks. Lower Costs. Competitive Strategy. It's a great combination. And it's available only from EMAP.

Benefit from Decades of Meticulous Academic Research Conducted by the Nation's Foremost Financial Scholars

Harry Markowitz, William Sharpe, Eugene Fama, Kenneth French, Gary Brinson, Roger Ibbottson, Richard Thaler -- these and other leading academics have, over the past 60 years, discovered and established the most effective way to manage money. Today, the nation's largest institutional investors use this research to:

• Develop highly diversified portfolios
• Hold those investments for very long periods
• Strategically rebalance as needed

Although this approach is very effective, the strategy traditionally requires massive amounts of money -- not a problem for institutions that control billions of dollars, but it's a real challenge for the rest of us.

No more! Thanks to EMAP, you can now invest in the same investments used by many of the nation's largest institutional investors -- and you don't need millions to do it!

Solid Academic Research is the Key

When developing EMAP, Ric and his colleagues at Edelman Financial studied the accumulated research of the world's leading academics in the fields of investments, economics, and behavioral finance. This research clearly shows that you achieve investment success by building a highly diversified portfolio across many asset classes, holding it for long periods and engaging in strategic rebalancing.

Consumers across America have opened more than 15,000 EMAP accounts, making EMAP one of the largest, most popular and fastest-growing investment management programs in the nation. In fact, in 2007, Wealth Manager magazine named Edelman Financial the #1 investment management firm in the nation, based on the number of client accounts.

See what Americans across the country are discovering. See how EMAP can help you achieve your goals. Begin the EMAP Guide to Portfolio Selection® now. If you prefer, talk with an Edelman advisor who will help you put this powerful program to work for you. Just call us at 888-PLAN-RIC (888-752-6742) or e-mail an Edelman Financial advisor now.