Wouldn’t it be great to have a team of professionals helping you develop and manage an investment portfolio? Imagine having access to experienced professionals who understand the nuances of investing, with the flexibility to choose from a range of carefully constructed portfolios that align with your specific financial goals.
We can help
Through a Horace Mann Investment Adviser Representative (IAR), you have access to professionals whose skills at risk profiling, institutional asset allocation, money management selection and investment policy development can help you navigate in a constantly changing environment. In conjunction with our clearing firm, Raymond James & Associates, Inc. ("Raymond James"), we proudly offer asset management services that are:
- Customized to meet the needs of you and your family
- Fee-based so advisers have a vested interest in your success
- Strategic to reflect the dynamic nature of the market – and your life
Freedom Foundation Portfolios
The Freedom Foundation is a managed account designed specifically for investors who would like to start investing. You may choose from a spectrum of seven core investment approaches ranging from conservative to aggressive that align with any investor's needs. Whether you're building money for retirement or tucking money away for a rainy day, a Freedom Foundation Account can assist you in meeting your financial goals. Freedom Foundation portfolios are available to clients with a minimum of $5,000 to invest.
The Freedom Portfolio is a managed account comprised of fee-based asset allocation platforms with models managed by a team of experienced Raymond James professionals. These flexible portfolios offer pre-set asset allocation strategies -- ranging from conservative to aggressive -- that attempt to align with your particular risk tolerance, your long-term investment objective and your specific financial goals. Freedom Portfolios are available to clients with a minimum of $50,000 to invest.
Fees are based solely on the level of assets in your account, independent of the level of trading activity. By deciding to pay a fee based on services provided rather than transactions, you should understand that the fee may be higher than the cost of a commission alternative during periods of lower trading activity.
Before making a decision, you should consider: your past and anticipated investment activity; past and anticipated use of the products and services available in the account; the value and type of eligible assets; the costs and potential benefits of the service; investment objectives and goals; additional financial and planning services provided by your IAR; and personal preferences concerning available payment alternatives.
You should also consider whether it would be better to pay separately for each trade executed and each product and service used. Since these factors may change, you should periodically re-evaluate whether the ongoing use of a particular asset-based fee program continues to be appropriate for your needs.
Please ask your IAR for a complete schedule of charges, which is available in the HMII & Raymond James’ Forms ADV Part 2A disclosure brochure or the Raymond James client agreement.
HMII’s IARs will always help you construct your financial portfolio with products to help assist you with your goals. By doing so, our investment adviser representatives will use every investment tool possible to help you reach your financial goals for you and your family.
Raymond James offers cash sweep programs designed to allow your cash to earn interest while it waits to be invested. To learn more about these options, please read the Cash Sweep Disclosure.
Further information on the funds selected for the Freedom portfolios is available by prospectus, which can be obtained through your HMII Investment Adviser Representative. Investors should carefully consider the investment objectives, risks, charges and expenses of mutual funds and exchange-traded funds (ETFs) before investing. All investments are subject to risk. The prospectus contains this and other information about the funds and should be read carefully before investing.
Asset allocation and diversification does not ensure a profit or protect against a loss. There is no assurance that any investment strategy will be successful. Past performance is not a guarantee of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns.
It is important to review your investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager. All investments carry a certain degree of risk and no one particular investment style or manager is suitable for all types of investors.
You should not assume that any discussion or information presented on this site serves as the receipt of, or as a substitute for, personalized financial, investment or tax advice. The information presented on this site is for information purposes only and is not intended, and shall not constitute, a solicitation or offering of securities in any jurisdiction. The SEC’s Required Order Execution and Order Routing Information Disclosure is available here.
The publication of this website on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect or recommend transactions in securities, or to render personalized investment advice over the Internet. The information resulting from the use of tools, charts, graphs or other information on the website should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from HMII. Mutual fund and exchange-traded fund investments may lose value, and are not FDIC insured or government guaranteed.
ACCESS TO THIS WEBSITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THE WEBSITE OR ANY THIRD PARTY WEBSITE LINKED TO THE WEBSITE.