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could have a suitable place in your portfolio.

A different kind of investing Alternatives, as the name implies, are not mainstream investments, and if included in a portfolio, should only make up a small portion of it (no more than 15% to 20% is one rule of thumb, but the appropriate amount may vary).

are more accessible today than they were in the past and, like other forms of alternatives, can play a role in your portfolio.

The potential benefits of alternatives The primary benefit of including alternatives in your asset mix is portfolio diversification.

An effectively diversified portfolio can help you generate more consistent investment Commodities can inperformance over time.

How alternative clude natural resources Historically some types investments may such as crude oil, of alternatives have fit your portfolio wheat, corn, and cof- shown the potential The state of the marfee. Trading typically to hedge against the kets in 2022, where occurs on the futures negative impact of both stocks and bonds market, which means weaker performance experienced declines the investments are periods in stock and in the first half of the more complex than bond markets. year, may have you typical securities. Real thinking about other estate includes pubFurther, alternainvesting options. If licly-traded real estate tives may be a hedge you’re wondering how investment trusts (RE- against higher inflation. to further diversify your ITs), which trade on the These types of assets portfolio alternative in- stock market, or private have the potential to vestments are one op- REITs, which have dif- keep closer pace with tion to consider. They ferent investment rerising living costs. include real estate, quirements. Investors commodities, hedge may also invest directly Potential challenges funds, private equity in land or property. with alternative investand private debt, and ments venture capital. BePrivate equity, private Alternative investments fore you dive in, here’s debt, hedge funds, are a long-term portfowhat you should know and venture capital are lio position. You need about these nonconavailable to individual to be certain that you ventional assets. You investors through pro- won’t need to liquidate should also be sure to fessionally-managed assets early to access seek the advice of a funds. These segments money committed to trusted financial adviof the market were alternatives. sor who can help you off limits to all but the evaluate your risk toler- wealthiest investors In addition, some alterance, time horizon and and institutions until natives aren’t subject whether alternatives recently. Such assets to the same level of

SEPTEMBER 14, 2022

regulatory oversight as other securities. Be certain you fully understand the nature of the investment you select and the terms of the offering.

It may not be as easy to determine whether a specific investment is truly appropriate without significant research or professional guidance. To that end, talk to your advisor about how alternatives can most effectively be incorporated, and which types are a good fit, for your own portfolio Duane J Lusson, CFP, ChFC, CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial Services, Inc. in Ottumwa, Iowa. He specializes in fee-based financial planning and asset management strate-

gies and has been in practice for 30 years. To contact him, call 641-684-4200 or stop by his office at 527 W. Second in Ottumwa, Iowa.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2022 Ameriprise Financial, Inc. All rights reserved. File # 4918024

SEPTEMBER 14, 2022

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On The Internet We have all heard the saying, “If it is on the internet, it must be true.” This is meant to be a joke as a person never knows what to believe when they read something on the internet. For example, I have read if a person’s cell phone gets wet, it can be dried by putting in the microwave for a few minutes. Some people have a sick sense of humor. I belong to an online group that helps identify things that are edible while foraging in the woods. This comes in handy in helping to identify mushrooms that are good to eat, though even this site can not be totally trusted. Some helpful individual posted all that mushrooms can be eaten once. This is true, but it is better to know if you will live to eat them a second time. I have learned a lot about mushrooms and assorted edible weeds from this site but do cross reference anything questionable before trying it.

I usually do not impart knowledge to questions posed about plants or fungus as there are people on the web site that are much more expert at identification than me. A few days ago, there was an exception.

Someone posted a picture of hops with the accompanying question, “What are these?”

Since I grow tame hops, I felt confident in lending my expertise in letting the person know. On reading other people’s answer, I learned, hops grow wild in Iowa. This was news to me. Of all the time I have spent in the outdoors, I have never seen wild hops. I must say, I have never been looking for them either.

A few days later, I was mowing a pasture with the tractor and brush cutter. When I got to the end of one round, I glanced up into the trees ahead of me and saw what

looked like hops. If I had not read about wild hops just a few days before, I may have seen them, but it would not have registered as to what they were. I stopped and checked them out. There were quite a few hops on the vines and were just ready to harvest. I soon spotted another tree nearby covered with a vine

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bearing more hops.

When I got done brush cutting, my wife and I went back out and picked wild hops.

I am not sure where they could have come from, but from the size of the vines, I would guess they have been there for many years. I picked and chewed one of the hops to compare the flavor to my domestic ones. The flavor was more mild without the intense astringent

quality of the domestics. I can only guess, if these plants were placed here in the last couple of centuries, they were for making either pilsner or wheat beers.

Many German families settled this part of the country during the mid-1800’s.

Perhaps the hops were introduced at that time for local beer making. There is no way of knowing exactly

how they got started, but I am happy to take advantage of the situation. I will soon be making a wheat beer with locally raised ingredients.

Though the internet cannot be trusted much of the time, it is possible to occasionally find some information that is useful.

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SEPTEMBER 14, 2022

Welcome!

Garrett Donaldson, MD Pella Regional Health Center welcomes Garrett Donaldson, MD, Family Practice and Obstetrics physician.

Medical School: University of Wisconsin School of Medicine and Public Health Residency: Gundersen Family Medicine Residency Clinic Undergraduate: University of Nebraska, Lincoln His medical interests include whole family health with prenatal and obstetric care as well as preventive care for rural populations. Dr. Donaldson has a passion for promoting healthy lifestyles for patients of all ages. He will begin seeing patients at Pella Regional Medical Clinic in Ottumwa in August 2022.

To schedule an appointment with Dr. Donaldson, call 641-621-2200 or go to PellaHealth.org/RequestAnAppointment.

PellaHealth.org Providing healthcare and healing services with Christian compassion

Welcome!

Pella Regional Health Center is pleased to announce a partnership with Urology Center of Iowa (UCI) and welcome four urologists to the Pella Regional Urology Clinic inside Pella Regional Health Center.

Pella Regional Urology Clinic provides medical and surgical treatment for conditions of the kidneys, adrenal glands, ureters, bladder, prostate, seminal vesicles, testicles, scrotum, urinary tract, and penis. Urology includes the entire urinary tract and reproductive system of the male and the entire urinary system of the female, exclusive of the reproductive organs.

Richard Glowacki, MD

Stephanie Pothoven, DO, FACOS

Ryan Dornbier, MD

Trevor Wild, MD

Robotic Surgery • Kidney Stones • Enlarged Prostate Cancer Treatment • Incontinence • Vasectomy To schedule an appointment call 641-621-2383 or talk to your provider about a referral to Pella Regional Urology Clinic.