Structured Products

Here at WealthVest, we help you by providing the right tools and resources to improve your practice and make your clients’ comfortable retirement a reality.

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Structured Notes

Structured notes, which encompass Principal Protected Notes, Buffer Notes and Barrier Notes can be useful for a range of investors based on the various structures available in the marketplace.

In an equity market with increased volatility, market swings can worry investors. Traditional fixed income strategies are generating lower yields due to the current interest rate environment. Additionally, if we experience greater inflation, the value of bonds in the secondary market could decrease. For an investor looking for downside principal protection and higher upside potential, a structured note1 may be a good alternative to traditional investments in bonds or equities.

Structure Note Snowball

Provide your clients with tax deferral

This tool helps demonstrate how taxes play into your clients investments. Compare how much yield is needed from a taxable investment to equal a tax deferred investment.

Market-Linked CDs & FDIC Insurance

A Market-Linked CD (MLCD) has full principal protection if held to maturity

The Federal Deposit Insurance Corporation, an independent agency of the United States government, protects against loss in the event an FDIC-insured bank or saving association fails. FDIC is an additional level of protection for consumers to feel safe about investing their money.

Market-Linked CDs

There are two Primary Types of MLCD Strategies: Growth and Income.

Market-Linked CDs may be treated as a “contingent payment debt instrument” for U.S. Federal taxation. This means that an investor will pay annual incomes taxes on a comparable yield from a coupon paying debt instrument. This is also known as Original Issue Discount (OID).

Statement Fluctuations Structured Notes

Why does my account statement show that the current value of my structured note is lower than my initial investment?

The owner of a Structured Note may be alarmed when reviewing their initial account statement because the statement value may show an amount lower than their initial investment in the product, even though in some cases it may be principal protected. This reduction in the current statement value of the note results from the withdrawal of fees and other expenses associated with distributing.

GIVE US A CALL OR CLICK BELOW TO RECEIVE TRAINING ON THESE CONSUMER-APPROVED TOOLS.

Katie Gaunt

National Sales Manager

kgaunt@wealthvest.com

(828) 237-4057‬

  • Originally joining WealthVest as an external wholesaler in 2016, Katie Gaunt has educated financial advisors and their clients about the benefits of structured products and annuities since 2001. Her emphasis is on education and the necessary preparation for the uncertainty of retirement. Katie was the #1 bank wholesaler at John Hancock for 5 consecutive years and National Sales Manager of Structured Products for McKendrySnow Financial Distributors. Throughout her career, she has helped to raise over $2 billion in annuity sales and $500 million in structured products sales. Katie earned her degree in Finance from the Eli Broad School of Business at Michigan State University. She and her husband Chris are raising their daughter Quinn in Asheville in the beautiful mountains of Western North Carolina.

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