Investment Management Services

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

With the Raymond James Freedom portfolios, managed by a team of experienced professionals to develop the optimal, risk-adjusted asset allocations portfolios, you have the flexibility to choose from a range of carefully constructed portfolios that align with your specific financial goals.

And, by discussing your needs with your Horace Mann Investment Adviser Representative, you’ll be sure to find the right portfolio to help meet your long-term goals and get closer to living the life you’ve envisioned. Portfolios include a spectrum of eight core investment approaches ranging from conservative to aggressive. In addition, specialty portfolios feature allocations built for equity income, optimizations for retirement, and focused exposure to alternative investments, fixed income or international equities.

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.

Freedom Portfolios

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.

Visit Raymond James Freedom Portfolio

Envestnet Asset Management, Inc.: Envestnet Asset Management Inc. (“Envestnet”) is an investment management firm founded in 1999 that provides investment management and investment advisory services through independent investment managers. Envestnet offers portfolios through 4 different investment managers to build client portfolios to attempt to assist you in achieving your financial goals.

American Funds/Portfolio Management Consultants (PMC)

Combining the legacy of investment management at American Funds with the research, portfolio consulting, and management expertise of PMC, PMC offers fourteen strategically constructed portfolios spread risk over multiple, diverse types and classes of mutual funds.


BlackRock Model Portfolios aim to intelligently incorporate active risk, either through tactical ETF trading or through exposure to active mutual funds, to further enhance potential returns and increase portfolio diversification.


Using a multi-asset approach, Russell Investment’s model strategies are globally diversified. Each one provides exposure to a mix of stocks, bonds and alternative investments and a variety of underlying money managers and investment styles.

Vanguard Strategic ETF Porftolios

Vanguard’s ETF Strategic model portfolios are designed specifically of financial advisors as complete investment solutions. Each portfolio invests in Vanguard ETFs, holding stock and/or bond funds in an asset mix that you and your advisor select.

Visit Envestnet Client Login

Quarterly fees for investment account management services are based on a percentage of your assets, which aligns your adviser’s interests with yours.

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.

There are many factors to consider when deciding if a fee-based account is right for you.

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.

Advisory Services offered by Horace Mann Investors, Inc. (HMII), member FINRA/SIPC, and a Registered Investment Adviser, located at #1 Horace Mann Plaza, Springfield, IL 62715. HMII’s disclosure statement, the Form ADV Part 2A is available here or through the SEC’s website on the Investment Adviser Search page. (Select Firm, then under FIRM NAME, type in 11643.) View a copy of HMII’s Privacy Policy for advisory clients and prospective clients.

View Raymond James’ Forms ADV Part 2A or through the SEC’s website on the Investment Adviser Search. (Select Firm, then under FIRM NAME, type in 705.)  View Raymond James privacy policy for advisory clients and prospective clients.

View Envestnet’s Forms ADV Part 2A or through the SEC’s website on the Investment Adviser Search. (Select Firm, then under FIRM NAME, type in 111694.) View Envestnet’s privacy policy for advisory clients and prospective clients. For the privacy policy of the individual managers listed, please visit their individual websites.

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.


WBFS-0203 (06/17)

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