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Retirement Planning > Retirement Investing

Bring structure to your client's retirement plan

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Boomers don’t like to buy off the shelf. They increasingly demand customization to suit their individual situation. I recently asked Tom Ricketts, CEO of Incapital LLC, a firm that focuses on structured products, if structured investments can address this demand. Here’s what he had to say:

“Structured investments are extremely customizable. For a relatively small investment – say $250,000 or $500,000 – the advisor can call us and say, ‘The portfolio I’m designing has a hole. If I had a principal protected note or some other kind of structured investment to fill it, it would be a great fit.’ Even at a low level investment amount, we can take it and shop it to our partners: Lehman Brothers, JPMorgan, HSBC, Fortis. So not only is it flexible from the standpoint that it covers a lot of potential asset classes and different risk/rewards scenarios, it’s flexible because the advisor can tell us what he wants and we’ll take it to five banks and get the best price.”

More information on structured investments (and how they fit into your boomer clients’ portfolio) can be found in the October issue of Boomer Market Advisor


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