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 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 / 64% Fixed Income / 6% Alternative 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)

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.