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).

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.

Account strategies are as of August 1, 2009 and are subject to change without notice from the addition, removal or substitution of one or more asset classes. The illustrated allocation is only available to investors with at least $600,000 to invest. Those investing less than this amount in a Freedom UMA may receive a less diversified portfolio.

Equity investments include a potential allocation to non-traditional investments such as REITs and commodities.

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.

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.

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