Asset allocation, where to park your money and how to divide it up, is the single most important skill of a successful investor. - Tony Robbins

But why wait until retirement? Why not change your zip code today? Why not find a place to raise your family that allows you to reduce your cost of living and elevate your quality of life at the same time, while you’re young enough for both you and your children to reap the rewards?

But you have to take some of those assets off the table to reduce your exposure to risk and make certain that you keep some of the gains or profits you’ve made.

Most big retail firms sell you notes that have substantial commissions, underwriting fees, and distributions fees; all of these will take away from your potential upside. Accessing structured notes through a sophisticated, expert fiduciary (a registered investment advisor) will typically have those fees removed because a fiduciary charges a flat advisory fee. And by stripping out those fees, performance goes up.