Investment Products
Tactical Portfolios
Tactical portfolios use an active investment approach to adapt to changing market conditions. Rather than sticking to a fixed asset allocation, these portfolios shift between asset classes — such as stocks, bonds, and cash — based on economic trends and forecasts. This strategy aims to protect against losses during downturns and capture opportunities in strong markets. Tactical portfolio management is ideal for investors who want more flexibility and responsiveness than traditional "buy and hold" approaches. We work with you to tailor a strategy that aligns with your risk tolerance, time horizon, and long-term financial goals.
Buffered Structured Annuities
Buffered structured annuities are insurance-based investment products that offer a blend of growth potential and downside protection. These annuities allow you to participate in market gains up to a certain limit while shielding part of your investment from losses. They're especially appealing to pre-retirees and retirees seeking predictable outcomes without giving up all growth opportunities. Buffered annuities can serve as a bridge between low-risk and higher-growth investments. We help you evaluate the terms, fees, and performance caps so you can decide if they fit your overall retirement income plan.
QLAC Differing RMD
A Qualified Longevity Annuity Contract (QLAC) is a special type of deferred income annuity designed to postpone Required Minimum Distributions (RMDs) from your retirement accounts. By investing a portion of your IRA or 401(k) into a QLAC, you can delay taxable income until as late as age 85, potentially lowering your tax burden in your 70s and early 80s. This strategy helps stretch your retirement savings and manage your income timeline more efficiently. We guide you through QLAC eligibility, contribution limits, and integration with your broader financial plan.
Structured Notes
Structured notes are customized investment products created by financial institutions. They typically combine a bond with a derivative to offer growth potential while managing downside risk. These products can be designed to meet specific financial goals, such as generating income, protecting principal, or gaining exposure to different markets. Structured notes are ideal for investors who want market-linked returns with some level of protection against losses. While they carry unique risks, they can complement a traditional investment portfolio. We help you understand how they work and determine if they align with your financial strategy.
Disclosures:
Diversification and strategic asset allocation do not assure profit or protect against loss in declining markets.
Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions
Registered index-linked annuities (RILA)s are subject to investment risk, including possible loss of principal. Investment returns and principal value will fluctuate with market conditions so that units, upon distribution, may be worth more or less than the original cost. They are designed to be a long-term investment product used to help provide income for retirement and are not suitable as a short-term investment. Withdrawals will reduce the contract value and the value of any potential protection benefits. Withdrawals taken within the period stated in the prospectus will be subject to a withdrawal charge or a Market Value Adjustment (MVA), depending on the product. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax.
Structured products typically have two components; a note and a derivative and a fixed maturity. They are complicated investments intended for a “buy and hold” strategy and offer a level of protection from downside risk in exchange for forgoing some upside potential to achieve that protection. Principal protection may vary from partial to 100 percent.
Investing in structured notes is not equivalent to investing directly in the underlying securities or index and carry risks such as loss of principal and the possibility that you may own the referenced asset at a lower price, due to economic and market factors that my either offset or magnify each other. At maturity, if the derivative turns out to be valuable, the investor can gain exposure to the upside of that index.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual security. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing.