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hello everyone my name is greg phelps i am the president of Red Rock Wealth Management this is being produced through my blog retire wire as well retire wire comm and today what I wanted to talk about was the concept of structured notes what is a structured note how does it work how does it fit in or not fit in with your investment portfolio does it make sense to use them should you avoid them in all costs and a lot about the the negative pressed or the bad rap that theyve gotten in in the market soaring you know the internet searches today so well kind of cover some of those things and why and how and the difference between those and the actual structured notes that we use personally here with our clients so lets go ahead and dive right in the first thing to discuss really is what is a structured note now when Ive asked this question to clients before I would say upwards of 95 to 96 97 percent most people just dont know what a structured note is so Im guessing them thats proba