Financial advisors have become more tactically-oriented in constructing their portfolios this year, and are also trying to incorporate more products with guarantees as their clients remain nervous about the economic outlook, according to a survey released Tuesday by Curian Capital.

Curian, a Denver-based registered investment advisor that is an indirect subsidiary of London's Prudential plc, interviewed 1,804 independent financial advisors from 150 broker-dealers in November to see how the market impacted their portfolio construction and gauge the kinds of products that they think they will use this year.

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