Tag Archives: Fixed Income

35. Structured Notes Simplified With Robert Sowinski



The interest rates for fixed income investments have reached historic lows. However, structured notes, which are somewhat unknown to many investors, can help you maintain returns through this environment.

In this episode, Kyle Malmstrom speaks with Robert Sowinski, managing director, structured products at Advisors Asset Management. Robert simplifies the complexities of structured notes and discusses how you can use them to boost your returns –– while accounting for the various investment risks involved.

Robert discusses:

  • An easy-to-follow explanation of how structured products operate
  • How you can cap your downside risk while maintaining a decent upside potential
  • The different timeframes and liquidity options available in structured notes
  • Why structured notes are becoming increasingly popular among retail investors
  • And more

Connect With Advisors Asset Management:

Connect With Centura Wealth Advisory:


31. How Life Insurance Solutions Can be Used as an Alternative to Fixed Income Investments With Christopher Hyman



The interest rate yield on traditional fixed income investments, such as bonds, are at an all-time low. Consequently, there is decreased upside potential and a greater downside risk.

In this episode, David Cariani, CIO, is joined by Christopher Hyman, senior case designer at Centura Wealth Advisory, to discuss how life insurance can be a powerful alternative vehicle for fixed income investments. They also dive into the trifecta of benefits that it provides –– downside protection, high liquidity, and an attractive upside potential relative to investments with a similar risk profile.

David and Christopher discuss:

  • How major banks have benefited from Bank-Owned Life Insurance (BOLI) investments
  • Key considerations to keep in mind while selecting a carrier for the life insurance
  • The eligibility criteria to invest in the Indexed Universal Life (IUL) insurance
  • Potential issues that can arise while investing in life insurance and ways to deal with them
  • And more

Connect With Centura Wealth Advisory:

About Our Guest:

Chris has been in the financial services industry for over 13 years. As Senior Case Designer, Chris models in-depth customized planning solutions that fit the diverse needs and goals of Centura clients, and also assists in the ongoing stewardship of those plans. Before joining Centura, Chris served as the sole Case Design specialist for an advisory member firm of M Financial Group, where he developed life insurance solutions for high net worth clients, geared toward estate planning, tax efficiency, and executive compensation.