• Under greater regulatory scrutiny from both state and federal authorities.
    
• Under greater scrutiny as to their investment performance returns and measurement of portfolio risk due to the level of clientele served.
    
• Exclusive.  Until the advent of the Premier Investment Program, professional money managers have been available only to the Fortune 2000-size companies or to high net worth individuals.  Having portfolios in excess of several million dollars, all such managers have minimum account sizes ranging from a low of $2 million on up.  Many will not take on a group unless it has a market value of $10-$25 million.
    
• Clearly rated and identified by their respective management styles giving you, the investor, assurance against style drift or diverting from the stated investment policy, goals, and objectives.  If you retain the services of an International Manager (specializing in small Capital International Companies) or a Value Manager (specializing in U.S. Domestic Stocks) or Government Bond Manager (specializing in U.S. Government Bonds or International Bonds), you can be assured they will not deviate from their respective styles.
    
• Distinguished by their fees.  There are no front-end loads, no 12(b)(1) fees, no redemption load charges, no promotional expenses, and no marketing expenses allocated to your account.  All of these types of fees are found in mutual funds and play a major role in reducing your total performance return.
    
• Selective.  Institutional Money Managers are very selective in the clientele for whom they manage money and first do an independent analysis of that client's financial needs, goals, objectives, and risk tolerance.

With Alpha & Omega, Inc. qualified plan services, you are getting top quartile investment managers as contrasted with a mutual fund portfolio, where a majority of funds have not outperformed their appropriate benchmark.

Retail Money managers are:

• Usually catering to the broad-based consumer not supported by teams of experts looking after the client's specific financial interest or constantly scrutinizing the activities or results of the client's account.
    
• Using a style draft, which is a common occurrence among the mutual fund industry and brokerage community.  It is not uncommon to see this group chase the stock or bond markets.
    
• Often plagued with a lack of consistency and style drift, perhaps the two largest contributors as to why this group fails to have long-term consistent performance results.
    
• Have a history of sub-par performance in that  80% of all mutual funds cannot equal the performance of the national averages, such as the Dow Jones or S&P 500.
    
• Habitually providing broad, generic ideas of how much risk someone should take.   The way they are structured and the volume of activity they cater to does not afford them the opportunity to be either Plan or individually specific.

Alpha & Omega, Inc. Financial Management Consultants
8580 La Mesa Blvd, Suite 100
La Mesa, CA 91941
Phone:  800-755-5060  ~  Fax:  619-462-1766
Email:  info@Alpha-Omega-Inc.com