About ALM First

Our History

ALM First was founded in 1995 with the focus on financial advisory services for credit union clients.

Through a strong dedication to service and risk management, ALM First has grown its client base beyond credit unions and has developed lasting relationships with hundreds of financial institution clients. And, as we continue to grow, one thing remains the same…our commitment to ensuring our clients meet and exceed their financial goals.

Our Core Values

Adhering to these CORE VALUES allows us to serve our clients, staff, and shareholders to the best of our abilities:

Creativity

Integrity

Service

Thought Leadership

Commitment to Excellence

Our Mission

To provide world-class ALM, valuation and investment advisory services for our clients.

Our Vision

Creating, serving, and leading for the good of our clients.

A Proven Track Record

A healthy mix of performance, safety and soundness guide our balance sheet and investment portfolio strategies. Through proven strategies, advanced analytical systems and superior financial consulting, ALM First has earned a strong reputation with credit unions, banks and corporation’s management, ALCOs, Boards of Directors as well as their auditors and regulators.

Creating Trusted Partnerships

Institutions put their trust in our team of financial experts to identify and manage risk, optimize their balance sheets and investment portfolios, and develop strategies to increase financial performance.

Our clients view us as a strategic partner, serving as an in-sourced extension of their finance and treasury teams, providing the necessary insight, tools and consultation for optimal balance sheet management.

“ALM First” is a brand name for a financial services business conducted by ALM First Group, LLC (“ALM First”) through its wholly owned subsidiaries: ALM First Financial Advisors, LLC (“ALM First Financial Advisors”); ALM First Advisors, LLC (“ALM First Advisors”); ALM First Analytics, LLC (“ALM First Analytics”); and ALM First Executive Benefits LLC. Investment advisory services are offered through ALM First Financial Advisors, an SEC registered investment adviser with a fiduciary duty that requires it to act in the best interests of clients and to place the interests of clients before its own; however, registration as an investment advisor does not imply any level of skill or training. Moreover, ALM First Financial Advisors, LLC (“ALM First Financial Advisors”), an affiliate of ALM First Group, LLC (“ALM First”), is a separate entity and all investment decisions are made independently by the asset managers at ALM First Financial Advisors. Access to ALM First Financial Advisors is only available to clients pursuant to an Investment Advisory Agreement and acceptance of ALM First Financial Advisors’ Brochure. You are encouraged to read these documents carefully. Balance sheet advisory services are offered through ALM First Advisors. Financial reporting services, loan introduction services, and other special project services are offered through ALM First Analytics. Neither ALM First nor any of its subsidiaries provide legal, tax, or accounting advice.

INVESTMENT PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, ALM FIRST OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.