Exchange Traded Funds (ETF) Exchange Traded Funds are mutual funds that are traded on a stock exchange. ETFs experience price changes throughout the day as they are bought and sold. Another advantage is that the expense ratios for most ETFs are lower than those of the average mutual fund. With over $1 Trillion dollars in ETFs, your portfolio might be outdated and in need of an upgrade.

Life Settlements (LS) A life settlement is simply the sale of an existing life insurance policy that is no longer needed, wanted, or affordable by an elderly person to another party. The owner sells their rights of the policy for a lump sum payment. An investor buys the policy or a fraction of the policy at a discount to the face value and holds it until maturity. This makes for an attractive return and portfolio diversification not correlated with the stock or bond market. Click here to download the one page concept sheet.