Are you an innovative financial advisor who develops out-of-the-box ideas? Do you want to offer money-making, tax-saving techniques that distinguish your services from the competition?

If so, this column will give you an idea so timely and out-of-the-box that?you can't even learn about it in most professional development or continuing education programs. Not yet, anyway.

This idea offers your clients the best combination of tax benefits to be found in any investment "under the sun." For selected clients, it also provides an inflation hedge while producing attractive tax-free rates of returns. It also can improve the value of real estate, increase protection against natural disasters, and reduce damage to the ozone layer.