WHAT WE DO
When stocks and bonds move together — like they did in 2022 — the standard portfolio fails. Hedge funds, hard money lending, gold, and non-correlated alternatives can stabilize returns when the market doesn't. For qualified investors, we open the door to strategies most retail platforms can't access.
See what this means for you ↓Most of the time, they do. But not all the time. In 2022, the S&P dropped 18% and bonds dropped 13%. Anyone fully diversified in the standard model lost on both sides. The diversification math broke.
For most retirees, that's a tolerable bad year. For higher-net-worth investors with significant assets in retirement income, it's an existential problem. Diversification across two asset classes is not actually diversified.
For accredited and qualified investors, we structure portfolios that include:
These aren't replacements for the core portfolio. They're additions that perform when the core struggles. The goal isn't more risk. It's different risk.
Not every client qualifies — some of these are accredited-investor only. We screen for fit before we discuss specifics.
"The goal isn't more risk. It's different risk."
Returns less dependent on the S&P 500 and the bond market.
Allocations that perform when the standard portfolio doesn't.
Investments most retail platforms can't offer.
Two ways to begin. Pick whichever feels right.
Built for what's next. Strategy for the world that's coming — not the one that's gone.
Disclosures
Smart Life Financial LLC is an independent insurance agency. Scott Borhauer, NPN 20016169.
Any references to guaranteed income, lifetime income, principal protection, or annuity benefits refer to insurance contracts. Guarantees are subject to the claims-paying ability of the issuing insurance company. Annuities are not bank deposits, not FDIC insured, not insured by any federal government agency, and may lose value in the case of early surrender. Product features, fees, surrender schedules, and income amounts vary by carrier, product, state, age, and issue date and are subject to change. No specific product is recommended on this page.
Any examples shown are hypothetical and for illustrative purposes only. They do not represent a quote, an offer, or the performance of any specific product. Individual results depend on your own circumstances.
This material is for informational purposes and does not constitute tax, legal, or investment advice. Rollovers, Roth conversions, required minimum distributions, and estate planning decisions carry tax and legal consequences. Consult a qualified tax professional and attorney regarding your specific situation.
Smart Life Financial LLC · 8530 Eagle Point Blvd, Suite 100, Lake Elmo, MN 55042 · (952) 592-3900