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hi i wanted to record this quick video to talk about structured notes really cover a couple of things number one on a high level what are they how do they work and are they right for you so just a little bit of background about myself my name is richard ehrlich im the president and founder of the secure wealth planning group ive been helping clients make informed decisions with investment and retirement planning for over 20 years my background is a certified financial fiduciary which basically means that i am product and investment agnostic and really were focused solely on each clients specific goals and objectives so the standard disclosures this is a high level educational video its meant to give you some background into the space of secured notes obviously every case is designed specifically for peoples individual financial situations and certainly the the examples were going to show today are just examples okay so the number one question we get all the time after people le