Using a Fixed-Income Ladder in Changing Interest Rate Scenarios

Learning Objectives

• To review how to tax equivalency between tax-free and taxable fixed-income investments.
• To review current economic conditions and prospects for the future.
• To explore how and why to build a fixed-income ladder.
• To compare and contrast different laddering scenarios.
• To know how to use a ladder within a larger portfolio.

Course Description

This course is valid up to December 31st, 2024 for CFP Professionals. It is advisable to complete this course before that to process the credit on time.

This course is valid up to December 31st, 2024 for CIMA, CPWA, and RMA Professionals. It is advisable to complete this course before that to process the credit on time.

Many of you are concerned about the uncertainty of interest rates and the impact they may have on your investments. High inflation, increasing interest rates, geopolitical unrest, and bank failures. The only thing certain is that predicting the direction of interest rates is fraught with uncertainty. Will the Fed hold steady on current rates? Will they continue to increase them, albeit at a slower pace? Is recession around the corner?  

Investors are still in the market. Uncertainty in the markets presents an opportunity to help clients reposition and protect assets. As many investors bet there will be a slowing pace of interest rate hikes to avoid damaging the economy, the fixed-income ladder is a strategy worth exploring.

The fixed-income ladder strategy allows clients to take advantage of current high rates, without potentially losing value should future interest rates drop.

In this CPE webinar, we will look at the benefits and drawbacks of this strategy. We will discuss ways to assist clients in structuring a fixed-income ladder within their portfolio and look at the determination of tax equivalency in the search for utilizing high-interest rates and best tax strategies. We’ll also present up-to-date economic indicators to facilitate a discussion that reflects the reality of today’s markets. 

Register now for "Using a Fixed-Income Ladder in Changing Interest Rate Scenarios" and take the first step towards securing your investments in a volatile market. Ilene Slatko, our Expert Speaker and a Serial Entrepreneur currently coaches clients working through the long tail of administrative and financial tasks involved in the estate and divorce process. She spent over 30 years in the financial industry and has long been a resource for financial and accounting professionals.

Key topics covered in this course:

• Ladder, tax equivalency: Definition
• How to determine tax equivalency between tax-free and taxable fixed-income investments
• The current economic conditions and prospects for the future
• How and why to build a fixed-income ladder
• Useful Bond Terms
• Compare and contrast different laddering scenarios
• Using a ladder within a larger portfolio

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Overview

• Ladder definition

  5 mins
• TE vs. TX

  12 mins
• Changing uield curve

  21 mins
• Useful bond terms

  31 mins
• Bond ladder examples

  41 mins
• Bond ladders as a means to stability

  44 mins
• Q&A

  53 mins