One of the challenges in managing client’s wealth is to get them enough reliable returns but within a risk level that they can stomach. Many of us want the compounded returns but often we are taken aback by how ferocious some of the corrections that can take place. Investing in a portfolio of bonds, or for the more adventurous people, one or two individual bonds used to be able to give you decent returns with low volatility. The problem is with bond yields as low as it is now, I wonder if we can trust historical rolling returns to repeat themselves. If we project returns going forward using the current yield, then forward returns are going to disappoint. Over the weekend, I got a chance to hear the ETF solution pitch from Innovator ETF on the Animal Spirits podcast. Their range of buffer ETFs seems to be a unique product that advisers can add to their portfolio or be used to specifically address a particular financial goal....