Product Solutions:

Does your advisor always have the right tool for the job?

You need a partner more than a product, but access to a large variety of offerings is important too. Without it, your advisor’s ability to optimize your overall strategy may be limited. We like to think of products as tools and we always want to have the “right tool” for the job. For example, some products are great for diversification purposes, reducing the overall risk of your portfolio. In certain situations, some are designed to defer or potentially eliminate capital gains. Did you know that certain investments can actually reduce your taxable income for the year? These can be helpful tools when designing a system for your money and for planning around certain life events, such as retirement, receiving an inheritance, the selling of a business or investment real estate.

Having an advisor with knowledge and access to a wide variety of investments is in your interest. As part of our process, we can help you navigate the complex investment universe and introduce you to ideas that can be applied to benefit your particular situation. Rest assured, we will always focus on advice first and putting your needs above our own before applying any products to your situation.

We chose our broker-dealer partner, Cambridge Investment Research, Inc. (Cambridge) because they are truly independent. They do not manufacture products of their own, but provide access to the best offerings in the marketplace to support your planning and investment needs. We generally lean toward fee-based products, however some product types are only accessible in a commission-based form. Cambridge offers us access to both, ensuring we always have the “right tool” for your situation.

Below is a list of product type solutions that we have access to:

• Alternative Investments
  • 1031 Exchange Programs
  • Delaware Statutory Trusts (DSTs)
  • Interval Funds
  • Hedge Funds
  • Limited Partnerships
  • Managed Futures
  • Non-Traded Preferred Stock
  • Oil & Gas Programs
  • Qualified Opportunity Zones (QOZs)
  • Private Placements
  • Real Estate Investment Trusts (REITs)
• Annuities (Fixed, Fixed Indexed, Variable, & Registered Index-Linked)
• Brokered Certificates of Deposit (CDs)
• Closed End Funds
• College Savings 529 Plans
• Disability Insurance
• Donor-Advised Funds (DAFs)
• Exchange Traded Products (ETF’s, ETN’s, & ETC’s)
• Equities (Common & Preferred Stock)
• Fixed Income (Corporate Bonds, Municipal Bonds, Treasuries, CDs)
• Group Retirement Plans (401(k)s, 403(b)s, Cash Balance, etc)
• Health Savings Accounts (HSAs)
• Life Insurance (Fixed, Indexed & Variable)
• Long Term Care Insurance
• Mutual Funds
• Options (Calls & Puts)
• Separately Managed Accounts
• Structured Products (i.e. Barrier Notes, Buffered Notes, Principal Protected Notes)
• Unified Managed Accounts
• Unit Investment Trusts (UITs)

If there’s something you’re looking for that’s not in this list, please Contact Us.

An alternative investments strategy is subject to a number of risks and is not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risk associated with such an investment. Certain risks may include but are not limited to the following: loss of all or a substantial portion of the investment, short selling or other speculative practices, lack of liquidity, volatility of returns, absence of information regarding valuations and pricing, and complex tax structures and delays in tax reporting. Fixed insurance products offered through Ensemble Financial Strategies.