HCM's Investment Management Program Offerings

Heritage offers three different types of investment management programs designed for individual investors:

  • Individual Equity Management Programs: Actively managed equity
        management programs using individual stocks.

  • Tactical Asset Management Programs: Conservatively managed asset
        allocation programs using mutual funds and Varialble Annuities

  • Flexible Growth Programs: Growth oriented asset allocation programs
        using ETFs


    Individual Equity Management Programs
    Our Individual Equity Management Programs provide institutional stock management strategies to individual investors. Through the use of computerized trading platforms and custodial accounts at Trust Company of America, we are able to implement strategies that once required minimum account sizes in excess of $250,000 at dramatically lower minimums. HCM offers the following stock management programs at TCA:

    Tactical Asset Management Programs
    Our Tactical Asset Management programs offered directly at selected mutual funds and variable annuities are conservatively managed and customized for each Fund Family or VA.  Clients invest directly at the Mutual Fund or Variable Annuities and then add our Tactical Asset Management Services to the account. HCM offers Tactical Programs at the following Mutual Fund and Variable Annuity Companies:

    Mutual Funds:

    • ProFunds
    • Rydex Funds
    • Fidelity Advisor Funds

    Variable Annuities:

    • Pacific Life
    • Nationwide
    • American Skandia
    • ING
    • Security Benefit Group

    Flexible Growth Programs using Custodial Accounts
    Our Flexible Growth Programs are actively managed allocation strategies for growth oriented investors. The programs utilize custodial accounts at Trust Company of America. Custodial accounts provide access to many different types securities such as ETFs and the entire universe of Mutual Funds in a single account. In addition, TCA provides each client with a single consolidated statement every month as well as a year-end tax report. Custodial accounts also provide for the convenience of having management fees automatically deducted from the account on a monthly basis so there are no checks to write or forms to sign. HCM offers the following Flexible Growth Programs at TCA:

    • Global Growth
    • Global Growth & Income
    • US Growth