Join the Iowa Retirement Investors' Club!

Look forward to retirement.

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Iowa Retirement Investors' Club

The Retirement Investors' Club (RIC) is an employer-sponsored voluntary retirement savings program for employees of the state of Iowa and participating public entities.

The RIC can supplement your pension (IPERS, POR, Judicial) and Social Security benefits at retirement. Contributions are made pre-tax through automatic salary reductions and any earnings are tax-deferred. Some employer plans also offer a Roth after-tax salary reduction option.

Horace Mann Retirement Advantage® was approved by the state of Iowa as an investment product in the RIC, offering you diversified investment options from which you can build an investment portfolio. You also may have the option to rollover assets from other eligible retirement plans, such as an IRA, 401(k) or 403(b) plan, into your account.

What stage are you in your retirement journey?

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I'm just starting out
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Currently saving
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Planning to retire
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I am retired

Enroll, talk with your representative or review your investment options

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Managed accounts solution

As a participant in the Horace Mann Retirement Advantage program via the Iowa Retirement Investors' Club (RIC), you have access to professional retirement planning services from Future Capital, formerly known as ProNvest. For more than 20 years, Future Capital has provided personal guidance and professional management of retirement assets to people just like you. Everyone is eligible for Future Capital's services.

Check the background of this firm on FINRA's BrokerCheck.

This information should not be construed as investment advice or a recommendation for the purchase or sale of any security. This material contains general information only on investment matters; it should not be considered as a comprehensive statement on any matter and should not be relied upon as such. The information does not take into account any investor’s investment objectives, particular needs, or financial situation.

Horace Mann Investors, Inc. offers Horace Mann Retirement Advantage® as 403(b), 457(b) and 401(a) investment options. Horace Mann Investors, Inc., member FINRA, is

located at 1 Horace Mann Plaza, Springfield, IL 62715. You can receive prospectuses from your Horace Mann representative, by calling 877-602-1870 or by visiting You should read the prospectuses carefully and consider the investment objectives, risks, charges and expenses carefully before you invest or send money. The prospectuses will provide complete information about these subjects. As with all securities, mutual funds involve a risk of loss, including a loss of principal.

Custodial services are provided by Matrix Trust Company, a Colorado state-chartered trust company located at 717 17th Street, Suite 1300, Denver, CO 80202.

The information provided here is for general informational purposes only, and should not be considered a recommendation or investment, tax or legal advice. Retirement Advantage is not structured to the individualized needs of a particular plan, participant or beneficiary. The plan sponsor is responsible for selecting and monitoring investment options in which participants and beneficiaries may invest. Each investor needs to create an investment strategy for his or her own particular situation before making any investment decisions.

Future Capital®, formerly known as ProNvest, is a registered investment advisor that provides independent investment recommendations for employer sponsored plan participants. Future Capital® is not affiliated with the Horace Mann Companies.