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What Is the Edelman Managed Asset Program®?

The Edelman Managed Asset Program® (EMAP) is easy to use. You just answer 7 simple questions and then EMAP suggests an asset allocation model matched to the amount of risk you're willing to take.

Some Unique Features of EMAP:

  • Extensive Diversification* — The Edelman Managed Asset Program® features many asset allocation models. But which model (or combination of models) is right for you?
  • Market-Based Asset Allocation Models* — EMAP models avoid substantial turnover by emphasizing market-based (not manager-based) investments.
  • Institutional Mutual Funds and ETFs — 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 quite inexpensive.
  • No Commission - Just One Annual Fee — Unlike those who charge the same annual management fee to every client regardless of how much you invest, your EMAP 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.**
  • Strategic Rebalancing Daily Review* — 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. This helps manage your risks and your performance.
  • Dynamic Security Selection — 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.

Find the Portfolio That's Right For You

* Investing 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.

** 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.


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