Structured Products Tailored to Your Financial Goals
In a world of market fluctuations, fixed income and structured products can offer much-needed balance — providing stability, predictable cash flows, and targeted exposure. Whether you’re seeking consistent income, portfolio diversification, or capital preservation, these solutions play a vital role in a well-rounded investment strategy.
At The Michele Carby Practice, we design fixed income and structured product strategies around your specific goals, risk tolerance, and market view. Our approach is disciplined, data-driven, and always aligned with your broader financial objectives.
Government and Corporate Bonds
Access a range of investment-grade and high-yield bonds, offering steady income with varying levels of risk and return.
Municipal Bonds
Tax-efficient income solutions for eligible investors, particularly useful in high-tax jurisdictions.
Structured Products with Capital Protection
Designed to offer downside protection while participating in potential market gains — ideal for more conservative investors.
Yield-Enhancement Structured Products
Opportunities to generate higher returns in sideways or range-bound markets, with tailored risk parameters.
Inflation-Linked Bonds
Securities that help preserve purchasing power in rising inflation environments.
Laddered Bond Strategies
Staggered maturity dates to manage interest rate risk and ensure regular reinvestment opportunities.
These instruments offer more than just income — they add flexibility, control, and resilience to your financial plan. Fixed income helps preserve capital while providing steady returns, and structured products can be engineered to suit specific market outlooks or risk appetites.
For clients seeking lower volatility or more predictable outcomes, especially in uncertain market conditions or later life stages, fixed income and structured strategies can serve as an anchor within a diversified portfolio.
We take a strategic, personalized approach to fixed income and structured product selection. First, we seek to understand your financial needs — including income goals, liquidity requirements, tax profile, and tolerance for risk.
With that foundation, we construct a tailored portfolio of bonds and/or structured products designed to achieve your objectives. We also monitor interest rate and market conditions closely, adjusting your strategy when appropriate to keep your plan optimized and responsive.
We believe fixed income and structured products should do more than provide passive income — they should actively support your broader wealth strategy. Our advisors assess your entire financial picture and recommend instruments that align with your time horizon, cash flow needs, and market outlook.
Structured products are carefully vetted, customized, and issued by high-quality counterparties. Fixed income portfolios are diversified by issuer, duration, and credit quality. Both are reviewed regularly as part of your evolving financial plan.
We aim to provide peace of mind through stability, while still capturing appropriate opportunities for yield and growth.
Fixed income refers to investments like bonds or bond funds that provide regular interest payments. They are typically used to generate income and preserve capital.
Structured products are customized investment solutions that combine traditional fixed income features with derivative components. They can offer tailored payouts based on market conditions, with features like capital protection or enhanced yield.
Fixed income and structured products can be useful for many investors, particularly those seeking income, capital preservation, or portfolio diversification. Your advisor will help determine what’s appropriate based on your goals and risk tolerance.
Structured products vary in risk depending on their design. Some include full capital protection; others involve risk in exchange for higher potential returns. It’s essential to understand the terms before investing — we provide full transparency and guidance.
Tax treatment varies based on the instrument and your jurisdiction. We structure portfolios with tax efficiency in mind and can coordinate with your tax advisors when needed.