Delta Pilot MPPP (MP3) Plan 

In September 18, 2006, all Delta pilots had the choice to convert or rollover their MPPP dollars to a Rollover IRA.

At American Financial Advisors (AFA) we offer a unique program for all Delta pilots that includes access to the Dimensional Fund Advisors (DFA) family of index funds as well as model portfolio advice for both the 401k and Pilot DC Plans.

The fee for the service is a $100 flat fee for assets up to $150,000 inside the MPPP.

Who is DFA - the Dimensional Fund Advisors?

DFA has over $140 billion invested in their proprietary index funds. DFA's consistent performance and very low costs are tough to beat. A significant number of pension plans throughout the United States utilize the DFA family of funds, including the following partial list of companies, states, cities, universities, and organizations;

Boeing, Merck, Citigroup, Raytheon, AT&T, Pfizer, Kellogg's, Pepsi, Verizon, Sara Lee, Unocal, Sprint, Kansas University, University of Miami, Cal Tech, Carnegie-Mellon, United Way, Jewish Community Foundation, Salvation Army, and various cities including San Diego, Seattle, St. Louis, and San Francisco.

Dimensional Funds (DFA) is one of the largest 25 fund families in the U.S. which includes firms like Fidelity, Vanguard, American Funds, T. Rowe Price, Oppenheimer, Merrill Lynch, Morgan Stanley, Janus, 20th Century, and Baron.
 

The MP3 Portfolio of DFA funds

The portfolio mix of DFA funds will be managed by our firm, AFA. This mix covers the major asset classes to invest in which include U.S. and International large and small cap index funds, U.S. and International Real Estate funds, an Inflation Protected fund and a bond fund.

You have probably not heard of the Dimensional Funds (DFA) because they do not advertise in any financial publications or media outlets. Their business comes from pension funds and investment advisors like AFA.

The majority of our client base are Delta employees, with the largest group being retired Captains and Flight Attendants - that retired in the past 10-15 years.  We manage their Lump Sums, 401k Rollovers, other IRAs, and taxable brokerage accounts through Schwab Institutional or TD Ameritrade.

We utilize the Dimensional Funds (DFA) primarily for the underlying research and science that drives the philosophy and disciplined construction of their indexes for each asset class. The truth teller is their consistent performance numbers and very low fees -- two key components that build wealth - year after year.

The more investors learn about DFA, the more they like them. Their public website will explain why we highly recommend investors choose to align themselves with DFA over the universe of available choices. We encourage every Delta pilot to browse DFA's site to view their extensive client list, key personnel behind the scenes, and historic performance numbers back to 1981:

Your MPPP dollars will be rolled over to a Schwab Institutional IRA Rollover. You will have full access to view your account via Schwab's website -- on a daily basis. You will receive IRA account statements from Schwab and additional account statements from AFA.

We are interested in helping you build your retirement account balances and establishing a longer term relationship.  When you retire, you will likely want someone to help manage those dollars. If we've done a good job for you during your working years, you may retain us to manage those dollars in retirement. Then it becomes a win/win for both sides. We take the long term view.

If you have any questions, please call our AFA offices anytime toll free at (888) 413-9080 or in Atlanta (770) 977-2434.

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Disclosures

The data used to construct the models were obtained from Dimensional Fund Advisors. Dimensional Fund Advisors Inc. is an investment advisor registered with the Securities and Exchange Commission. Consider the investment objectives, risks, and charges and expenses of the Dimensional funds carefully before investing. For this and other information about the Dimensional funds, please read the prospectus carefully before investing. Prospectuses are available by calling Dimensional Fund Advisors Inc. collect at (310) 395-8005; on the Internet at www.dimensional.com; or, by mail, DFA Securities Inc., c/o Dimensional Fund Advisors Inc., 1299 Ocean Avenue, 11th Floor, Santa Monica, CA 90401. Mutual funds distributed by DFA Securities Inc.

The information shown should not be relied upon to make investment decisions. Indexes are unmanaged and considered to be representative of the historical performance of a particular asset class. An investment cannot be made in an index. Past performance is not an assurance of future results.

The information contained herein is not intended to be an offer or solicitation for the sale of any financial product or service or a recommendation or determination by American Financial Advisors, LLC that any investment strategy is suitable for a specific investor. Investment products discussed herein are not insured by the FDIC or any other governmental agency, and are subject to risks, including a possible loss of the principal amount invested.