Debt may be part of your financial picture, and managing it wisely can be just as important as managing your investments. How can you use debt within a strategy to help preserve and manage your wealth?
- Personal Lending
- Mortgage and Home Equity Lines of Credit
- Commercial Lending
- Property, Equipment and Business Loans
- Collateralized Lending
- Securities Based Line of Credit (SBL) – A way to access cash without disrupting your long term financial strategy. SBL’s allow you to borrow against eligible assets to create an alternative form of liquidity. Proceeds may be used for home renovations, paying for tuition, short term bridge financing, or paying taxes
Optimizing and leveraging debt are key components to any financial plan. If you are interested in knowing your ratio, take your total liabilities and divide it by your total equity. If your percentage is too low, you may not be optimizing your debt properly.
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A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities based lending
products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any
potential for loss. If the market turns against the client, he or she may be required to deposit additional
securities and/or cash in the account(s) or pay down the loan. The securities in the Pledged Account(s) may be
sold to meet the Collateral Call, and the firm can sell the client’s securities without contacting them. The interest
rates charged are determined by the market value of pledged assets and the net value of the client’s Capital