With more than $7 billion under advisement, ALM First Financial Advisors is the market leader in investment advisory firms among the credit union community. The nation's leading credit unions have chosen to partner with ALM First, and with good reason. They frequently tell us that ALM First's considerable knowledge and proficiency in asset/liability management provide quality and value seldom seen elsewhere in the credit union market. Our continuous steady growth is directly attributed to the recommendations of our services by our clients whose collective assets total more than $60 billion.

ALM First is differentiated from the competition in three distinct areas: service, staff and technology. Our service level is unparalleled, as has been repeatedly attested by our clients. Our staff are veterans in the area of asset/liability management, and they have expertise and professional designations to be among the ALM industry's premier service providers. Indeed, ALM First was among the first investment advisory firms to be granted special approval from the National Credit Union Administration to perform hedging transactions for credit unions.

We also take advantage of the most advanced technological models available, providing value-added services such as budgeting, core deposit analysis, leveraging analyses and consulting. And, because of the experienced staff and high-quality systems we have in place, ALM First has the flexibility to customize its services to meet each credit union's unique requirements.

By combining objective, independent advice with more than 40 years' experience in managing large fixed-income portfolios and executing complex risk-management programs, ALM First has remained credit unions' first choice for the past eight years. Let us show you how your credit union can take advantage of ALM First's Expert Advice and Premier Service.