Broker Check


Your investment selection is key to the success of your financial plan. Do your investments actually align with your goals? 

We find that few investors make that true connection.  Through investment strategies exclusive to Puzzle clients, we will tailor your investment approach to align with your financial objectives.

We utilize the investment vehicles below within our strategies.  They will be tailored to YOUR financial plan, to YOUR risk tolerance, to YOUR investment objectives, and be rebalanced reguarly to fit YOUR timeline.

Individual Stocks

Puzzle's stock strategies are built for different objectives such as growth or income. Using individual stocks allows you to benefit from reduced costs and strategic tax efficiencies.  Our models are built for you and executed by our in-house team.  Stock investing includes risks, including fluctuating prices and loss of principal.


Exchange Traded Funds (ETFs)

ETFs have replaced mutual funds in today’s modern stock portfolio due to reduced costs and tax efficiencies.  We incorporate low-cost ETFs in our portfolios to increase diversification. ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.

Certificates of Deposit

You likely have funds that exceed the FDIC insurance limits of one bank.  Our solution provides proper FDIC coverage with multiple banks in one consolidated account.  We are able to utilize CDs issued by hundreds of FDIC insured banks so that you don’t need to open dozens of bank accounts. CDs are FDIC insured to specific limits and offer a fixed rate of return if held to maturity, whereas investing in securities is subject to market risk including loss of principal.

Municipal and Corporate Bonds

Qualifying income can be tax free.  Puzzle can utilize municipal bonds to ease the tax burden and corporate-issued bonds to broaden your portfolio while generating cash flow.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. The market value of corporate bonds will fluctuate, and if the bond is sold prior to maturity, the investor’s yield may differ from the advertised yield.


United States Treasury Bonds

Safety is paramount to a successful financial plan.  For security in your portfolio, we utilize United States government-issued treasury bonds.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

Real Estate, Private Equity, Private Credit, and other Alternative Investments

Alternative investments are broad in scope.  Puzzle primarily targets these investments to decrease portfolio correlation and target a better risk-return profile. Alternative investments may not be suitable for all investors and involve special risks such as leveraging the investment, potential adverse market forces, regulatory changes and potentially illiquidity. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.


Structured Notes

Issued by banks, structured notes can broaden portfolio diversification, add protection to capital, and enhance returns.  Puzzle will utilize them in your portfolio when appropriate. 

Structured products typically have two components; a note and a derivative and a fixed maturity.  They are complicated investments intended for a “buy and hold” strategy and offer a level of protection from downside risk in exchange for forgoing some upside potential to achieve that protection.  Principal protection may vary from partial to 100 percent.

Investing in structured notes is not equivalent to investing directly in the underlying securities or index and carry risks such as loss of principal and the possibility that you may own the referenced asset at a lower price, due to economic and market factors that my either offset or magnify each other.  At maturity, if the derivative turns out to be valuable, the investor can gain exposure to the upside of that index.


Money Market Funds and Other Cash Alternatives

Even cash and cash-equivalent investments need to be monitored to maximize your money's potential.  

Leaving cash sitting idle is not an option.

Money market accounts may lose value over time to inflation. Depending on inflation and the interest rate you earn with your money market account, inflation may outpace earnings.

When Markets React

When Markets React

When markets shift, experienced investors stick to their strategy.