Fixed Income Portfolios and Offerings

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Focus Planning Group provides clients with access to the individual bond markets. Bonds represent the largest asset class in the world. The fixed income markets require insight and decisive action to capitalize on the current offerings and yield opportunities. This is why we work with our clients and build customized bond solutions.

Major bond asset classes we work with;

Municipal
Debt obligations issued by states, cities, counties, and other public entities that use the loans to fund public projects, such as the construction of schools, hospitals, highways, sewers, and universities
Corporate
Fully taxable debt obligations issued by corporations that fund capital improvements, expansions, debt refinancing, or acquisitions that require more capital than would ordinarily be available from a single lender
Agency
Debt obligations issued by agencies of the U.S. federal government or by private agencies, called government-sponsored enterprises (GSEs), which are federally chartered, but publicly owned by their stockholders
U.S. Treasury
Direct debt obligations issued by the U.S. government, which uses the revenue from the bonds to raise capital and/or make payments on outstanding debt
Zero Coupon
Zero coupon bonds are issued by the federal government or by a municipal government. Unlike other government bonds, investors receive a single payment when the bond matures, but no periodic interest payments prior to that.
Certificates of Deposit
Certificates of Deposit (CDs) are a deposit product issued by a bank that’s both fixed in term and rate. Since these are not as flexible as, say a regular savings account, interest rates do tend to be higher. To help protect against risk, CDs are federally insured by the FDIC. The types of CDs we offer are called brokered CDs. They are similar to CDs purchased directly from a bank, except they can be traded on the open market. Brokered CDs that you choose to sell prior to maturity in a secondary market may result in loss of principal due to fluctuation of interest rates, lack of liquidity, or transaction costs.
Our Interest Rate Stress Test allows us to apply a specific interest rate forecast to any of the bond holdings in your portfolio, allowing us to easily show the effect that rising interest rates could have on your holdings.
We use a heatmap to drill down into the portfolio to find out where the interest rate risk is really coming from.

Let Us Help

Building adaptable bond portfolios requires a unique set of capabilities—digging deeper, reaching further and moving faster. Our bond platform and trading desk was built for these times, combining our insight, access and technology to deliver the investing advantage you need.

 

Individual Bond Strategies

We offer a wide variety of ladder, barbell, and bullet strategies designed to generate income and achieve goals in a variety of market conditions and interest rate environments. These strategies can be built using an array of portfolio styles or components, depending on whether the objective is to generate tax-free or taxable income.

Structured Products

Structured products offer investors the potential to earn returns tied to the performance of an index or basket of securities. Rates of return vary and are generally paid at maturity, along with the face amount of the investment, subject to the credit risk of the issuer.

Invest with Us

Start the conversation about your financial future and schedule your 30 minute complimentary consultation. You can reach us directly at 631-714-6044, click to schedule a meeting.