Banking and Lending Solutions for Advisors

Financial advisors who stand apart from the competition think beyond the portfolio and advise across the full financial picture. Adding banking and lending to your practice helps you connect with clients earlier, stay relevant as their lives change, and build relationships that last.

Grow Beyond the Portfolio

LPL Financial makes this easy. Our fully integrated platform brings banking and investing together in one place so you can move faster without managing multiple systems and providers. 

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Why Advisors Choose LPL’s Banking and Lending Solutions

 

Dedicated support when you need it

A high-touch experience your clients will notice

Expand your offering without adding complexity

Flexibility to choose the solutions that fit each client

Help clients manage both sides of their balance sheet

Spend less time on operations and more time advising clients

Banking and Lending Products

Seated financial professional meeting with couple in office setting.

Banking Solutions

Provide clients a smarter way to manage everyday cash by combining:

  • Competitive interest compared to traditional checking accounts
  • Enhanced FDIC protection
  • Global ATM fee freedom
  • Unlimited check writing for spending, transfers, or investing
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Financial advisor professional providing financial options to couple.

Lending Solutions

Help clients access cash when they need it without derailing their long‑term strategy. LPL lending options, including margin and securities‑based loans, support short‑term needs — from a home purchase to taxes or the unexpected — while keeping the broader plan on track.

 

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Banking and Lending Solutions for Advisors: FAQs

Rates on both cash and lending products are designed to be competitive, with a focus on minimizing fees wherever possible. Specific rates vary and are recalculated regularly to reflect current market conditions.

Yes. The Cash Management Account provides FDIC insurance coverage up to $2.5 million for individual accounts and $5 million for joint accounts — significantly higher than most standard offerings. Clients are also fully reimbursed for any realized losses resulting from unauthorized access to their account. Please visit: Cyber Fraud Guarantee for terms and obligations.

Cash management accounts carry no account fees. Lending solutions may carry fees depending on the specific solution and structure best suited to your clients’ needs.

Disclosures

*Accounts enrolled in LPL Cash Management that participate in one of LPL’s FDIC-insured cash sweep programs may receive FDIC insurance coverage up to the applicable program limits. FDIC insurance protects against the loss of FDIC-insured deposits if the depository institution or bank holding the deposit fails. LPL itself is not an FDIC-insured institution. Only balances deposited at the participating banks for the account’s sweep program are eligible for FDIC insurance (subject to the applicable limits). Eligibility for pass-through deposit insurance coverage for such deposits is subject to fulfilling specific conditions. 

Banking services provided by UMB Bank through its strategic relationship with LPL.

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).

Insurance products are offered through LPL or its licensed affiliates. To the extent you are receiving investment advice from a separately registered independent investment advisor that is not an LPL affiliate, please note LPL makes no representation with respect to such entity.

Not Insured by FDIC/NCUA or Any Other Government Agency
 Not Bank/Credit Union Guaranteed
 Not Bank/Credit Union Deposits or Obligations
 May Lose Value

For Financial Professional Use Only.