Structured Products
Advanced strategies, built into your workflow
A flexible and efficient way to trade and custody structured products in one place with your preferred wholesaler.
What are structured products?
Structured products are customized investment securities that tie returns to the performance of an underlying asset — like a stock index. They blend bond-like features with derivative-like features to deliver defined outcomes, such as greater income potential and partial downside buffers.
Sophistication with operational ease
Sophistication with operational ease
Greater income potential
Seek higher coupons when traditional fixed income underperforms — with payouts linked to market performance and defined conditions.
Partial downside protection
Keep clients invested through volatility with built-in buffers that can limit downside risk while maintaining upside potential.
Customized to client goals
Adjust index exposure and protection levels to create portfolios with specific risk/return characteristics for each client.
Differentiate your practice
Offer institutional-grade strategies that move beyond standard 60/40 portfolios.
Real-time client reporting
Holdings and pricing update automatically in client accounts, giving you full visibility to manage and communicate with confidence.
Partners
you trust
We work with wholesalers who are actively redefining how advisors access structured products — lowering barriers, improving transparency, and bringing institutional-grade strategies into the mainstream.
Don’t see your preferred partner? We’re onboarding partners all the time. Contact us to check availability.
Designed for speed
and precision
Where advisors used to spend ~one hour per
trade, they now spend under 5 minutes.
Simple CSV upload: Submit account-specific structured note trades via one simple CSV. No more back-and-forth — just clean data, and fast execution.
Automatic error checking: Catch formatting issues, missing data, and allocation mistakes before you submit.
Instant trade organization: Complex multi-client orders get grouped and sorted automatically, with no manual work in spreadsheets.
How it works
Trading structured products on Altruist is straightforward:
- Identify notes through your preferred wholesaler.
- Submit your trade to the wholesaler to coordinate with the issuing bank.
- Upload allocation data to Altruist using our standardized spreadsheet.
- Track order status directly in the Altruist portal.
Featured Article
A deeper look at structured products
Go beyond the basics with our in-depth guide to structured products — covering the mechanics, use cases, and some of their risks.
Frequently Asked Questions
What types of structured products are supported?
Altruist currently supports new issue structured notes traded via file upload. This includes equity-linked notes, income-focused structures, market-linked CDs, and other customized debt securities issued by banks through external wholesalers.
What’s the execution/posting timeline and cutoff time for trades?
Once you upload allocation data to Altruist, trades are executed with the wholesaler and reflected in client accounts on the trade date. Orders must be submitted by 11 pm ET the night before.
What if I don’t currently use structured products?
Structured products aren’t for every advisor or every client — but when the need arises, having access matters. We’re here when you’re ready to explore, with resources to get you started and links to our wholesaler partners who provide deeper guidance and education before you begin.
How do I get started?
Advisors with a trade arranged through a wholesaler can begin trading structured products right from their Altruist dashboard — no extra steps required. If you’re not yet on Altruist, reach out to our team to learn how to get started with structured products and more.
Ready to differentiate your practice with structured notes?
With structured notes on Altruist, you can deliver premium investment solutions for clients without the typical complexity.
Altruist maintains partnerships with multiple wholesalers. Contact us to confirm your preferred partner is supported.
Structured products are complex investment vehicles that involve significant risks and may not be suitable for all investors. These securities are typically unsecured debt obligations of the issuing bank and are subject to the credit risk of the issuer. Structured products are not deposits, are not insured by the FDIC, and are not guaranteed by any bank or government agency.
Investment returns and principal repayment depend on the performance of one or more underlying assets and on the terms of each specific note. Any references to defined outcomes, income potential, or downside protection are hypothetical and not guaranteed. Structured products may have limited or no secondary market and should generally be held to maturity.
Altruist Financial LLC (“Altruist”) does not issue structured products. All structured notes available through Altruist are issued by third-party banks and distributed through external wholesalers. Altruist provides trade processing, custody, and reporting functionality only and does not recommend or endorse any particular issuer, wholesaler, or product. This material is provided for informational purposes only and should not be construed as investment advice, an offer, or a solicitation to buy or sell any security or investment strategy.
Fees, costs, and embedded issuer charges may apply and could reduce overall returns. Please refer to the Altruist Financial LLC Fee Schedule and the offering documents provided by the product issuer for additional information.
Structured products are intended for investors who understand the risks associated with derivative-based investments. Advisors are responsible for assessing suitability prior to recommending any structured product investment.