A Strategy for Predictable High Monthly Income in Retirement

Structured Income Flash Notes

Looking for Predictable High Monthly Income without the unnecessary risk?

Structured Income Flash Notes are designed to provide guaranteed high monthly income linked to major market indexes — with built-in protection barrier with just a 12-month commitment.

If you’re transitioning into retirement and want a high income that’s dependable, consistent, and with moderate to low risk, this may be worth a conversation.

Schedule a Structured Income Flash Notes Consultation

Retirement changes how you think about money.

During your working years, growth is often the priority. But as retirement approaches—or begins—your focus shifts to stability, predictable income, and consistency.

Relying on market growth alone to generate income can feel uncertain.
And for many investors, that unpredictability becomes harder to accept over time.

If you’re looking for defined, consistent monthly income—without locking up your capital long-term—it may feel like your options are limited.

Why traditional strategies can fall short

Real returns may be reduced by taxes and inflation
A 60/40 portfolio still relies heavily on market performance
Some annuities can restrict access to your capital
Dividend income can fluctuate with market conditions

The above example is a sample flash note for illustrative purposes only. Please contact the advisor to receive information on current note offerings.
The notes involve risks not associated with an investment in ordinary debt securities. The securities are not bank deposits and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency, nor are they obligations of, or guaranteed by, a bank. The securities will not be listed on any securities exchange and secondary trading may be limited. Therefore, there may be little or no secondary market for the securities. Accordingly, you should be willing to hold your securities to maturity. The securities are subject to the credit risk of the Issuing Bank, and any actual or anticipated changes to its credit ratings or credit spreads may adversely affect the market value of the securities.

Introducing Structured Income Flash Notes

Structured Income Flash Notes are short-term debt securities linked to major stock market indexes, designed to provide defined monthly income.

12-month term

High-yield coupon (often in the 10%–12% range depending on offering)

Monthly interest payments

Issued by major financial institutions

Linked to the S&P 500, Nasdaq-100, and Russell 2000

30% barrier before principal is impacted at maturity

These are not FDIC-insured and do involve risk, including potential loss of principal. But for investors with a moderately conservative risk profile (often categorized as a 2 on a 1–5 scale), they can provide a structured alternative to traditional income strategies

Schedule a Structured Income Consultation

Who This May Be Right For

A Structured Income Flash Note may be worth considering if:

Predictablity

You are pivoting toward retirement and want a predictable high monthly income.

Alternative to Bonds

You want higher income potential than traditional bonds.

Defined Terms

You prefer defined one-year terms rather than open-ended market exposure.

Why Haven’t You Heard of These Before?

Structured income flash notes aren’t products you can log in and buy like a mutual fund. They are negotiated directly with major banks in the capital markets, one issuance at a time.

Peter Garcia of My Legacy Group partners with Brookstone Capital Management to make these offerings available to private clients with a moderate conservative risk profile.

Are Structure Income Flash Notes right for you?

Here is a simple plan to move forward:

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1. Confirm Suitability

We review your goals, timeline, and risk tolerance to determine whether this fits your broader retirement plan.

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2. Structure the Account

Open an individual, joint, or IRA account and determine allocation between individual Flash Notes, the Booster Income Fund, or a blend.

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3. Begin Receiving Monthly Income

Once allocated, defined interest payments begin monthly, based on the terms of each offering

Schedule a Structured Income Consultation

Important Considerations

Structured Income Flash Notes:

Are not FDIC insured
Require a 12-month commitment
Carry risk, including potential loss of principal
Are tied to market performance and subject to issuer credit risk

They are designed for investors who understand the trade-offs and want income structured around defined terms rather than open-ended market exposure.