A wide range of investment strategies to meet your unique financial needs.

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Freedom Account: Flexibility to Meet Your Investment Goals

Because your lifestyle and financial needs are unique, Freedom portfolios encompass a wide range of investment strategies. From capital protection to asset growth, your advisor will help determine which model is right for you based on your personal goals and risk tolerance. Seeking income in your retirement years? We have a Solution for that, too. Together, we’ll help you build a diversified portfolio of carefully selected managers designed to help you accomplish your financial goals.

Further information on the funds selected for the Freedom Portfolios is available by prospectus, which can be obtained through our financial advisors. Investors should carefully consider the investment objectives, risks, charges and expenses of the Freedom Portfolios before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. Investing involves risk and investors may incur a profit or a loss.

* Diversification does not ensure a profit or protect against a loss.

The 4-Step Investment Process

4 Steps. Your Solution.
Developing a sophisticated investment solution requires more than a review of historical patterns. Freedom applies forward-looking assumptions in the construction of its models, placing a premium on those factors that are most likely to add value to your portfolio.

  • Step 1: Capital Market Assumptions
    Freedom employs forward-looking risk, return and correlation assumptions based on economic data and indicators. These tools move beyond analyzing historical data and help avoid trend-chasing behaviors.
  • Step 2: Asset Allocations
    Whether you are taking an aggressive or conservative approach to investing, Freedom’s advanced optimization process is designed to find an asset allocation intended to maximize return potential at various risk levels. The resulting portfolio strategies provide you with options for reducing the overall volatility of your portfolio while remaining in alignment with your overall goals.
  • Step 3: Manager Selection and Portfolio Construction
    Freedom treats portfolio construction as a distinct step in the process. Asset allocations are filled with portfolio managers who are selected based on our confidence that they can consistently add value to a Freedom portfolio.
  • Step 4: Continual Monitoring
    Proactive performance reviews are essential to maximizing the flexibility of Freedom. All managers are constantly monitored to determine whether organizational adjustments or investment process changes may impact performance. Capital market assumptions are continuously monitored and updated to maintain optimal asset allocations.

* All investing involves risk and you may occur a profit or a loss.

Freedom Mutual Fund & EFT

The Raymond James Freedom Account 
Choosing your portfolio strategy has never been easier. Our comprehensive, 4-step process helps match your unique goals and risk tolerance with an asset allocation model that’s right for you. You’ll enjoy clear, informative statements, annual rebalancing to keep your investments in line with your goals and advice from a financial advisor who has a vested interest in the success of your portfolio.

Freedom Mutual Funds consist of funds carefully screened and monitored by the Asset Management Services Due Diligence Department. The result is a selection of portfolios designed to maximize return at each level of risk.

Freedom ETFs offer investors a low-cost tax-efficient option by investing in exchange-traded funds. ETFs are a rapidly growing investment vehicle that combines the broad participation of an index fund with the trading flexibility of stocks.

Insightful Management. Proactive Diligence. Institutional Approach.

Mutual Fund & EFT Portfolio Models

Mutual Fund Portfolio Models

Your Freedom Mutual Fund Account includes one of eight investment approaches ranging from conservative to global equity. Based on your goals and personal tolerance for risk, your advisor will help you select the model that’s right for you.

Conservative Strategy (30% Equity / 70% Fixed Income / 0% Alternative Investments)

Focusing on preservation of capital with relatively low volatility, this portfolio model is intended as a low-risk investment offering a slight hedge against inflation. Due to the low volatility and high liquidity sought in this portfolio, investors with a time horizon of two to three years may be strong candidates.

High Income Strategy (37% Equity / 63% Fixed Income / 0% Alternative Investments)

This strategy focuses on obtaining a high income stream from a diversified selection of income-producing investments. This portfolio seeks high income while maintaining liquidity, and may be suitable for investors with a time horizon of three to five years.

Conservative Balanced Strategy (46% Equity / 50% Fixed Income / 4% Alternative Investments)

The main objective of this portfolio is stability of capital with moderate growth. With its anticipated low volatility, this approach carries relatively low risk to principal, yet provides a moderate current income. While we view this as a moderately low-risk portfolio, we recommend investors keep a time horizon of at least three to four years.

Balanced Strategy (60% Equity / 35% Fixed Income / 5% Alternative Investments)

This portfolio is most likely suited for those seeking growth while maintaining a fixed income element in an effort to enhance stability of capital in a market downturn. However, in an effort to increase diversification and growth potential, a greater portion is invested in equities, ranging from small- to mid-cap growth and value-style funds, as well as large-cap equity and real estate funds.

Balanced with Growth Strategy (70% Equity / 20% Fixed Income / 10% Alternative Investments)

The primary goal of this portfolio is growth. It is somewhat stabilized with an element of fixed income to help endure market downturns. While a greater portion of the assets are invested in equities for added potential, it includes a moderate level of risk. For this, we recommend an investment time horizon of four to five years. Moderate volatility is to be expected.

Growth Strategy (86% Equity / 2% Fixed Income / 12% Alternative Investments)

Investors primarily seeking growth of assets through a broadly diversified equity strategy are most likely suited for this model. A higher degree of volatility is associated with a pure equity portfolio. However, through diversification, it is anticipated that any instability will remain below broad-equity market levels. A time horizon of five years or longer is strongly recommended to allow full participation in changing market cycles.

Aggressive Growth Strategy (86% Equity / 2% Fixed Income / 12% Alternative Investments)

Investors seeking to maximize their potential through a well-diversified but aggressive strategy are most likely suited for this portfolio. An investment time horizon of five years or more is strongly recommended. Participation in various market cycles for maximum growth potential is typical.

Global Equity Strategy (85% Equity / 2% Fixed Income / 13% Alternative Investments)

Investors seeking to maximize their potential through a well-diversified but aggressive strategy are most likely suited for this portfolio. This model consists of greater than 40% of the portfolio invested in international investments. A higher degree of volatility is associated with a pure equity portfolio. However, through diversification, it is anticipated that any instability will remain below broad-equity market levels. An investment time horizon of five years or more is strongly recommended. Participation in various market cycles for maximum growth potential is typical.

Equity Income (89% Equity / 2% Fixed Income / 9% Alternative Investments)

The Equity Income objective focuses on growth and secondarily on income primarily through dividend seeking funds. The goal of this portfolio is to generate higher rates of income than traditional stock investing. This portfolio is comprised of nearly 100% in equity-type investments; including but not limited to U.S. common stocks, non-U.S. common stocks, preferred stocks, high yield bonds, and others. Investors who are considering investing in this model should have an intermediate time horizon and a moderate tolerance for risk of loss (volatility).

Equity Income Balanced (51.5% Equity / 40% Fixed Income / 8.5% Alternative Investments)

The Equity Income Balanced objective offers a way to balance the potential capital appreciation of common stocks with the income and relative stability of bonds over the long term. It should be less volatile than an all-equity objective, since prices of stocks and bonds may respond differently to changes in economic conditions and interest rate levels. Maintains a portfolio of approximately 60% equity type investments and 40% fixed income type investments thereby combining growth potential with income potential while attempting to reduce volatility. The fixed income portion of the investment will typically represent higher risk and potential income than a traditional balanced strategy as it has higher exposure to high yield and emerging market debt. Investors who are considering investing in this model should have an intermediate time horizon and a moderate tolerance for risk of loss (volatility).

Flexible Equity (96% Equity / 2% Fixed Income / 0% Alternative Investments)

This strategy is suited for investors with a long time horizon, whose primary objective is capital appreciation with a moderate to higher level of volatility. This strategy invests in managers who use a combination of equity and other assets that take advantage of opportunities globally as well as any changing combination of large-, mid- and small-cap stocks based on the market.

Flexible Equity Plus (68% Equity / 18% Fixed Income / 14% Alternative Investments)

This strategy is suited for investors with a long time horizon, whose primary objective is capital appreciation with a moderate to higher level of volatility. This strategy invests in managers who use a combination of equity and other assets that take advantage of opportunities globally as well as any changing combination of large-, mid- and small-cap stocks based on the market. The Flexible Equity Plus incorporates alternative investments to help manage the volatility of the overall portfolio.

Asset allocations current as of July 1, 2011, and are subject to change without notice and may include the addition, removal or substitution of one or more asset classes. International investing involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility. Investing in small- and mid-cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor.

Commodities trading is generally considered speculative because of the significant potential for investment loss. Commodities are volatile investments and should only form a small part of a diversified portfolio. Among the factors that could affect the value of the fund’s investments in commodities are cyclical economic conditions, sudden political events and adverse international monetary policies. These portfolios may be subject to international, small-cap and sector-focus exposures as well. Please read the accompanying descriptions of these strategies. Markets for precious metals and other commodities are likely to be volatile and there may be sharp price fluctuations even during periods when prices overall are rising.

Specific sector investing such as real estate can be subject to different and greater risks than more diversified investments. Declines in the value of real estate, economic conditions, property taxes, tax laws and interest rates all present potential risks to real estate investments.

ETF Portfolio Models

Your Freedom ETF Account includes one of Seven investment approaches ranging from conservative to global equity. Based on your goals and personal tolerance for risk, your advisor will help you select the model that’s right for you.

ETF Conservative Strategy (30% Equity / 70% Fixed Income / 0% Alternative Investments)

Focusing on preservation of capital with relatively low volatility, this portfolio model is intended as a low-risk investment offering a slight hedge against inflation. Due to the low volatility and high liquidity sought in this portfolio, investors with a time horizon of two to three years may be strong candidates.

ETF Conservative Balanced Strategy (46% Equity / 50% Fixed Income / 4% Alternative Investments)

The main objective of this portfolio is stability of capital with moderate growth. With its anticipated low volatility, this approach carries relatively low risk to principal, yet is designed to provide a moderate current income. While we view this as a moderately low-risk portfolio, we recommend investors keep a time horizon of at least three to four years.

ETF Balanced Strategy (60% Equity / 35% Fixed Income / 5% Alternative Investments)

This portfolio is most likely suited for those seeking growth while maintaining a fixed income element in an effort to enhance stability of capital in a market downturn. However, in an effort to increase diversification and growth potential, a greater portion is invested in equities, ranging from small- to mid-cap growth and value-style funds, as well as large-cap equity and real estate funds.

ETF Balanced with Growth Strategy (70% Equity / 20% Fixed Income / 10% Alternative Investments)

The primary goal of this portfolio is growth. It is somewhat stabilized with an element of fixed income to help endure market downturns. While a greater portion of the assets are invested in equities for added potential, it includes a moderate level of risk. For this, we recommend an investment time horizon of four to five years. Moderate volatility is to be expected.

ETF Growth Strategy (86% Equity / 2% Fixed Income / 12% Alternative Investments)

Investors primarily seeking growth of assets through a broadly diversified equity strategy are most likely suited for this model. A higher degree of volatility is associated with a pure equity portfolio. However, through diversification, it is anticipated that any instability will remain below broad-equity market levels. A time horizon of five years or longer is strongly recommended to allow full participation in changing market cycles.

ETF Aggressive Growth Strategy (86% Equity / 2% Fixed Income / 12% Alternative Investments)

Investors seeking to maximize their potential through a well-diversified but aggressive strategy are most likely suited for this portfolio. An investment time horizon of five years or more is strongly recommended. Participation in various market cycles for maximum growth potential is typical.

ETF Global Equity Strategy (80% Equity / 2% Fixed Income / 18% Alternative Investments)

Investors seeking to maximize their potential through a well-diversified but aggressive strategy are most likely suited for this portfolio. This model consists of greater than 40% of the portfolio invested in international investments. A higher degree of volatility is associated with a pure equity portfolio. However, through diversification, it is anticipated that any instability will remain below broad-equity market levels. An investment time horizon of five years or more is strongly recommended. Participation in various market cycles for maximum growth potential is typical.

Asset allocations current as of July 1, 2011, and are subject to change without notice and may include the addition, removal or substitution of one or more asset classes. International investing involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility. Investing in small- and mid-cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor.

Commodities trading is generally considered speculative because of the significant potential for investment loss. Commodities are volatile investments and should only form a small part of a diversified portfolio. Among the factors that could affect the value of the fund’s investments in commodities are cyclical economic conditions, sudden political events and adverse international monetary policies. These portfolios may be subject to international, small-cap and sector-focus exposures as well. Please read the accompanying descriptions of these strategies. Markets for precious metals and other commodities are likely to be volatile and there may be sharp price fluctuations even during periods when prices overall are rising.

Specific sector investing such as real estate can be subject to different and greater risks than more diversified investments. Declines in the value of real estate, economic conditions, property taxes, tax laws and interest rates all present potential risks to real estate investments.

An exchange-traded fund, or ETF, is a type of investment company whose investment objective is to achieve a return similar to that of a particular market index. An ETF will invest in either all of the securities or a representative sample of the securities included in the index they track. ETFs may be bought or sold throughout the day in the secondary market, but are generally not redeemable by retail investors for the underlying basket of securities they track. Clients likely to find a Freedom ETF strategy most appropriate are those willing to accept market-like returns, lower management fees and operating expenses, with little potential for the individual ETFs to outperform the indices they track. Mutual funds are typically actively managed, and as a result, the underlying management fees and operating expenses assessed by the fund companies are generally higher than those for ETFs (1% to 1.5% for mutual funds versus .20% to .30% for ETFs). Potential investors should understand that the annual advisory fee charged in the Freedom ETF program is in addition to the management fees, operating expenses, and other expenses associated with an investment in ETFs.

All investments are subject to risk. There is no assurance that any investment strategy will be successful. In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading activity.

Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically reevaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. These additional considerations, as well as the Freedom fee schedule, are listed more fully in the Client Agreement and the Raymond James & Associate’s Schedule H Brochure, which can be obtained through your financial advisor.

You should discuss any tax or legal matters with the appropriate professional.

Freedom Retirement Income Solution

Create a Lifetime Income Stream
Living longer should be a goal, not a risk factor in your retirement plan. The Freedom Retirement Income Solution recognizes and addresses your concerns about outliving your wealth. By moderately increasing the portfolio’s equity exposure, the program seeks to balance market risk – the volatility in the value of your investments – with longevity risk, the chance of depleting your assets.

Enjoy all of the benefits of Freedom, including annual rebalancing, constant monitoring of managers and updated forward-looking assumptions, with added focus on ensuring you have the income you need in retirement.

A 65 year-old man has a 50% chance of living beyond age 85.

A 65 year-old woman has a 50% chance of living beyond age 88.

And a couple, both aged 65, has a 50% chance that one of them will live to age 92, and a 25% chance that one will live to age 97.

Freedom Retirement Income Solution

Freedom Retirement Income Solution Portfolio Models
Your Freedom Retirement Income Solution account includes one of three investment portfolios designed to address both market risk and longevity risk. Based on your goals and personal tolerance for risk, your advisor will help you select the model that’s right for you.

Early Retirement (61% Equity / 29% Fixed Income / 10% Alternative Investments)

As you enter retirement, you have a long-time horizon. Therefore, allocations include more equity exposure. This model might be considered in the first 10 years of retirement and these provisions are also suitable for those who want to leave a larger legacy.

Mid-Retirement Model (50% Equity / 40% Fixed Income / 10% Alternative Investments)

At mid-retirement, a more conservative approach may be best as your tolerance for risk decreases. For this reason, you may want a portfolio designed to be less volatile during market downturns. This can be accomplished by increasing exposure to fixed income asset classes. This model might be considered if you have been retired for 10 to 20 years.

Senior Retirement (33% Equity / 60% Fixed Income / 7% Alternative Investments)

Later in retirement, investors may become less comfortable with portfolio volatility and seek a more conservative investment portfolio. A greater amount of fixed income assets makes this possible. This model might be considered for those who have been retired for more than 20 years or who have a low tolerance for risk.

Source: Metlife, The Metlife Retirement Income Study: The Silent Generation Speaks, June 2006

Freedom UMA Account

Effective investment planning cannot be left to chance. It requires research, consultation, planning, execution and constant monitoring. When financial conditions change, you should have confidence that your investments are supported by an institutional-quality process designed to constantly evaluate and balance risk and return, and a financial advisor who has a vested interest in your portfolio’s success.

If this is the level of quality that you demand, then the Freedom Unified Managed Account (UMA) account may be right for you.

UMA Portfolio Models

With Freedom UMA, your particular financial circumstances, goals and risk tolerance are reviewed to help determine which of the available asset-allocation models may be right for you. The models are spread among eight different objectives ranging from conservative balanced to global. You and your financial advisor determine what’s right for you.

The model descriptions illustrate Freedom UMA’s eight available investment objectives using asset allocation options for an investor with at least $600,000 to invest. It’s important to note that other asset allocation choices also may be available to an investor, depending on goals, preferences and investment amount. Some models are more heavily concentrated in a smaller number of SMAs, while others are built with more asset classes and may include mutual funds. Again, your financial advisor will work with you to help you understand all of your choices.

Conservative Balanced Model

This strategy is suited for investors whose objectives are balanced between modest capital appreciation and current income generation with consideration given to the moderation of volatility. The strategy consists of investing half the portfolio in diversified equity securities and half in fixed income securities. Investors who are considering investing in this model should have an intermediate time horizon and a moderate tolerance for risk of loss (volatility).

Equity Income Model

This strategy is suited for investors whose primary objective is capital appreciation with a secondary second consideration on dividend and interest income. This strategy invests in equity* managers focused on securities that produce potentially above-average dividend yields coupled with an allocation to diversified fixed income investments. The growth component of this balanced objective provides for a hedge against inflation. Investors who are considering investing in this model should have an intermediate time horizon and a moderate tolerance for risk of loss (volatility).

Balanced Models

This strategy is suited for investors whose objectives include moderate capital appreciation and current income generation with consideration given to the moderation of portfolio volatility. The portfolio has a slight overweight to diversified equity investments with the remainder of the portfolio invested in fixed income securities. Investors who are considering investing in this model should have an intermediate time horizon and a moderate tolerance for risk of loss (volatility).

Balanced with Growth Models

This strategy is suited for investors whose primary objective is capital appreciation with a secondary consideration given to the moderation of portfolio volatility. The portfolio consists primarily of diversified equity investments with a modest allocation to fixed income securities. Investors who are considering investing in this model should have an intermediate to long-term time horizon and a moderate to high tolerance for risk of loss (volatility).

Growth Models

This strategy is suited for investors whose sole objective is capital appreciation through a full investment in diversified equity securities. Investors who are considering investing in this model should have a long-term time horizon and a high tolerance for risk of loss (volatility).

Aggressive Model

This strategy is suited for investors whose sole objective is long-term capital appreciation through a full investment in diversified equity securities. This allocation may see a higher allocation to more volatile asset classes with the expectation of achieving higher returns over time. Investors who are considering investing in this model should have a long-term time horizon and high tolerance for risk of loss (volatility).

Global Strategy Model

Investors seeking to maximize their potential through a well-diversified but aggressive strategy are most likely suited for this portfolio. This model consists of greater than 40% of the portfolio invested in international investments. A higher degree of volatility is associated with a pure equity portfolio. However, through diversification, it is anticipated that any instability will remain below broad-equity market levels. An investment time horizon of five years or more is strongly recommended. Participation in various market cycles for maximum growth potential is typical.

Flexible Equity Strategy Model

This strategy is suited for investors whose primary objective is capital appreciation with a moderate to higher level of volatility. This strategy invests in a combination of equity managers that have the ability to invest in sectors or securities that are very different than the S&P 500, which may lead to increased volatility. Investors most suitable for this model would be looking for a total return strategy and not a relative return strategy as compared to a benchmark. Also available in the Freedom Flexible Equity UMA is a model that invests 20% of assets in the Raymond James Managed Completion Alternative Portfolio. Consisting of approximately a dozen mutual funds invested in non-traditional asset classes, the Alternative Managed Completion Portfolio seeks to lower overall volatility. Investors who are considering investing in either model should generally have a long-term time horizon and moderate to higher tolerance for volatility.

Dynamic UMA Models

Dynamic Growth Model

This strategy blends RiverFront Investment Group’s long-term growth portfolio of equity securities with the Alternative Managed Completion Portfolio in an attempt to temper potential equity volatility. Suited for investors whose sole objective is capital appreciation through a full investment in diversified equity securities, this portfolio can shift from the targeted allocation range when certain sectors are believed to be over or under valued. Investors who are considering investing in this model should have a long-term time horizon and a high tolerance for risk of loss (volatility). Mutual funds are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses of an investment company carefully before investing. The prospectus contains this and other information about an investment company and is available from your financial advisor. The prospectus should be read carefully before investing.

Dynamic Balanced With Growth Model

This strategy combines RiverFront Investment Group’s balanced, 80/20 portfolio with the Alternative Managed Completion Portfolio in an attempt to temper potential equity volatility. Suited for investors whose primary objective is capital appreciation with a secondary consideration given to the moderation of portfolio volatility, the portfolio can shift from the targeted allocation range when certain sectors are believed to be over or under valued. Investors who are considering investing in this model should have an intermediate to long-term time horizon and a moderate to high tolerance for risk of loss (volatility). Mutual funds are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses of an investment company carefully before investing. The prospectus contains this and other information about an investment company and is available from your financial advisor. The prospectus should be read carefully before investing.

Dynamic Balanced Model

By combining RiverFront Investment Group’s moderate growth portfolio normally invested in 80% equity and 20% fixed income securities with allocations to the Alternative Managed Completion Portfolio and Fixed Income Managed Completion Portfolio, diversification is further enhanced and a robust fixed income portfolio is utilized. This strategy is suited for investors whose objectives include moderate capital appreciation and current income generation with consideration given to the moderation of portfolio volatility. The portfolio can shift from the targeted allocation range when certain sectors are believed to be over or under valued. Investors who are considering investing in this model should have an intermediate time horizon and a moderate tolerance for risk of loss (volatility). Mutual funds are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses of an investment company carefully before investing. The prospectus contains this and other information about an investment company and is available from your financial advisor. The prospectus should be read carefully before investing.

Dynamic Equity Income Model

This strategy is suited for investors whose primary objective is capital appreciation with a secondary consideration on dividend and interest income. This diversified, enhanced dividend seeking portfolio combines income-focused mutual funds with a global SMA. The portfolio can shift from the targeted allocation range when certain sectors are believed to be over or under valued. Investors who are considering investing in this model should have an intermediate time horizon and a moderate tolerance for risk of loss (volatility). Mutual funds are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses of an investment company carefully before investing. The prospectus contains this and other information about an investment company and is available from your financial advisor. The prospectus should be read carefully before investing.

UMAs are not suitable for all investors. It is important to review the investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager.

*You should discuss any tax matters with the appropriate tax professional.