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, Pershing, LLC (“Pershing”), we proudly offer asset management services that are:

BNY Mellon Advisors Investment Solutions

You can access professionally advised investment solutions through BNY Mellon’s Pershing and its affiliated registered investment adviser, BNY Mellon Advisors, Inc (“BNY Mellon”). The combination of BNY Mellon and third-party investment solutions provide our Investment Advisor Representatives (IARs) with a diverse investment offering, designed to seek a broad array of investment goals.

BNY Mellon AdvisorFlex Portfolios

The BNY Mellon AdvisorFlex portfolio offers a flexible multi-manager ETF/mutual fund wrap account managed by BNY Mellon. With thirty-two objectives-based portfolios, the portfolios provide investors with asset allocations based on BNY Mellon's capital market views, while allowing your representative the flexibility to select from a diverse universe of investment vehicles researched by BNY Mellon.

BNY Mellon/American Funds Core Portfolios

Developed by BNY Mellon, the portfolios consist primarily of American Funds mutual funds along with select ETFs. With three traditional portfolios, the portfolios are designed for investors seeking to combine the investment philosophies and capital market view of BNY Mellon with the long-term investment results of American Funds.

BNY Mellon Target Risk Portfolios

Managed by BNY Mellon, the portfolios are multi-manager ETF/mutual fund wrap accounts consisting of five traditional, risk based portfolios that span the risk spectrum targeting mass-affluent to high net worth investors. The portfolios provide investors with investments researched by BNY Mellon and asset allocations based on BNY Mellon's capital market views.

BNY Mellon Target Risk Focus Portfolios

Managed by BNY Mellon, the portfolios consist of multi-manager, multi-asset class ETF/mutual fund portfolios consisting of twelve portfolios, six tax-aware and six traditional that span the risk spectrum targeting emerging to mass-affluent investors. These portfolios are designed for investors seeking BNY Mellon's investment vehicle research and portfolio management using predominately ETF portfolios.

BlackRock Portfolios

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.

Vanguard Strategic ETF Portfolios

Vanguard ETF Strategic model portfolio 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.

Calvert Portfolios

Calvert’s Responsible Allocation portfolio models are built with Calvert mutual funds that utilize Calvert’s financial and responsible investment analysis, consisting of three portfolios which target mass-affluent to high net worth investors. The portfolios are designed for investors seeking broad diversification managed in accordance with Calvert’s proprietary environmental, social and governance (ESG) principles.

Morningstar Portfolios

Managed by Morningstar, these portfolios are multi-manager mutual fund portfolios using different asset allocation approaches in either mutual funds, ETFs or trusts from different third party managers that have gone through an independent, proprietary research process.

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Envestnet Strategic Portfolios

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.

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We are pleased to continue to service existing accounts; however, new accounts cannot be opened through this offering.

Asset-Based Fee

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.

Things to consider

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 & Lockwood Advisors’ Forms ADV Part 2A disclosure brochure or the Lockwood Advisors Investment Advisory 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.

Further information on the funds selected for the specific 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 BNY Mellon Advisors, Inc. Form ADV Part 2A or through the SEC’s website on the Investment Adviser Search. (Select Firm, then under FIRM NAME, type in 106108.) View Pershing’s privacy policy, including its affiliate BNY Mellon Advisors, Inc., 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.

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.