Alm First Financial Advisors LLC

ALM First Financial Advisors, LLC, established in 1995, specializes in investment and financial management for financial institutions and institutional investors. The firm offers consulting, non-discretionary, and discretionary investment management services tailored to meet institutional objectives and regulatory requirements. ALM First operates on a fee-based model, emphasizing transparency by not selling financial products or accepting commissions. The firm manages over $1.8 billion in discretionary assets and over $67 billion in non-discretionary assets for 160 clients as of December 31, 2024. Services include investment advisory, portfolio management, hedging, private fund management, and insurance-based investment management. Clients have the option for discretionary or non-discretionary services, with fees structured based on the level of service provided and the size of assets under management. The firm's investment strategy involves a multi-dimensional risk analysis, tailored to each client's goals and objectives. Clients have the flexibility to impose restrictions on investments based on their internal policies or regulatory requirements. ALM First Financial Advisors, LLC does not have custody of client funds, except for private fund clients, and does not generally accept authority to vote proxies. The firm maintains a Code of Ethics, ensuring compliance with federal securities laws and a duty of undivided loyalty to clients. Clients include financial institutions such as credit unions, community banks, specialty lenders, and insurance companies, with no strict minimum account size but minimum fees based on the engagement's scope.