Horace Mann Investment Management Services 

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 policy development can help you navigate in a constantly changing environment.

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Wouldn't it be great to have a team of professionals helping you develop and manage an investment portfolio?

Imagine knowing 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. In conjunction with BNY Mellon Advisors Portfolio Solutions, we proudly offer asset management services that are:

  • Customized to meet the needs of you and your family
  • Fee-based so our financial advisers have a vested interest in your success
  • Strategic to reflect the dynamic nature of the market – and your life
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  • BNY Mellon Advisors

    You can access professionally advised investment solutions through BNY Mellon’s Pershing. The third-party investment solutions provide our Investment Advisor Representatives (IARs) provide a diverse investment offering designed to suit 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 32 objectives-based portfolios, investors can choose 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. Three traditional 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 Asset Allocation 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 WealthStart Portfolios

    Managed by BNY Mellon, multi-manager, multi-asset class ETF/mutual fund portfolios are available: 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 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.

    Calvert Portfolios

    Calvert’s Responsible Allocation portfolio models are built with Calvert mutual funds that utilize their financial and responsible investment analysis, and consist 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 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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  • 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. The schedule is available in the HMII & BNY Mellon Advisors’ Forms ADV Part 2A disclosure brochure or the BNY Mellon 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 the financial goals of you and your family.

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Find my representative

Advisory services are offered by Horace Mann Investors, Inc. (“HMII”), a registered investment adviser and member FINRA/SIPC. HMII’s advisory services are limited to recommending account types, asset allocation strategies, model portfolios, and introducing clients to third-party investment managers. HMII does not provide discretionary investment management and does not make day-to-day investment decisions for client accounts.

Clients who elect to use third-party investment managers should understand that those managers are responsible for the selection, management, and ongoing monitoring of investments within the account. HMII does not control or supervise the specific investment decisions made by these third-party managers.

Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses associated with any investment. This and other important information is contained in the applicable prospectus, which should be read carefully and can be obtained through your HMII Investment Adviser Representative.

All investments involve risk, including the possible loss of principal. Asset allocation and diversification strategies do not ensure a profit or protect against loss. There is no assurance that any investment strategy will be successful. Past performance does not guarantee future results. Indices are unmanaged and not available for direct investment; any attempt to replicate index performance would incur fees and expenses that would reduce returns.

It is important to evaluate your individual financial situation, including your investment objectives, risk tolerance, time horizon, tax considerations, and liquidity needs before selecting an investment strategy or manager. No single investment strategy or third-party manager is suitable for all investors.

Clients will incur advisory fees and other costs, including platform fees and fees charged by third-party investment managers, as well as underlying expenses associated with mutual funds. A complete description of fees and expenses is available in HMII’s Firm Brochure.

HMII has financial relationships with certain third-party managers and service providers, which create potential conflicts of interest. HMII addresses these conflicts through policies and procedures designed to act in the best interest of clients. Additional information regarding these conflicts is available in HMII’s disclosure documents.

As a registered investment adviser, HMII has a fiduciary duty to act in the best interest of its clients. A summary of HMII’s services, fees, and conflicts of interest is available in its Customer Relationship Summary (Form CRS).

You should not assume that any information provided on this website serves as the receipt of, or a substitute for, personalized investment, legal, or tax advice. The information presented is for general informational purposes only and should not be considered a recommendation of any specific investment, strategy, or account type.

The publication of this website should not be construed as a solicitation to effect, or attempt to effect, transactions in securities in any jurisdiction where HMII is not properly registered or exempt from registration.

The information provided through tools, charts, graphs, or other materials on this website is not intended to be, and should not be relied upon as, personalized advice. Investment products, including mutual funds, are subject to market risk, may lose value, and are not FDIC insured or guaranteed by any government agency.
Additional information about HMII is available on the SEC’s website at www.adviserinfo.sec.gov.

For additional information regarding third-party managers, including BNY Mellon Advisors, Pershing, and Envestnet, please refer to their respective Form ADV brochures and privacy policies, available on their websites or through the SEC’s Investment Adviser Public Disclosure website.