See for yourself why EMAP is the fastest-growing investment management program in America -- solid academic research is the key.

The Benefits of EMAP are Proven and Time-Tested

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 model features as many as 19 separate asset classes and market sectors -- and each of those typically contain thousands of securities through a market-based, not manager-based, investment approach. Of course, diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a diversified portfolio will outperform a non-diversified portfolio.
   
   The goal is simply 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.

Lower Risks. Lower Costs. Competitive Returns. It's a great combination. And it's available through EMAP.

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 Service, the #1 independent 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 contact an Edelman Financial advisor now.

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

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