Elevate Your Advisory Services with Banking Solutions

Your clients expect more than investment advice alone. When everyday banking and long‑term investing work together, you can support their full financial lives while uncovering more chances to add value, build stronger relationships, and grow your practice.

Bring Cash Management into the Advisory Relationship

LPL Financial’s cash solutions are built to work seamlessly within your practice, making it easier to manage client liquidity and work towards supporting more meaningful planning conversations.

Our Cash Management Account (CMA) gives clients a centralized place for everyday cash while keeping it connected to their broader investment strategy, combining familiar banking features with brokerage‑level integration so clients can move money efficiently, and you can keep their full financial picture in sight.

How Clients Use CMAs

  • Holding short‑term or transitional cash
  • Managing emergency reserves
  • Supporting income and distribution strategies
  • Moving money easily between investing and spending
  • Temporarily parking proceeds from asset sales

Key Benefits of LPL’s CMA Solution

  • Enhanced FDIC protection up to $2.5M (individual) and $5M (joint)
  • Competitive interest rates compared to traditional checking accounts, calculated daily
  • Global ATM fee freedom
  • No account minimums and unlimited checkwriting
  • Seamless digital transfers and payments

EVERYDAY SPENDING THAT FITS THE PLAN

Credit Card Options That Add Convenience

Stay connected to your clients in everyday financial moments with credit card solutions that fit naturally into the broader plan. With built‑in fraud protection and modern card features, you can add value without adding complexity. Clients can choose options that match their lifestyle, earn cash back or points on everyday purchases, and redeem rewards in ways that matter to them.

Financial advisor client smiling, credit card in hand, seated in front of laptop.

Insured Cash Sweep Programs

LPL offers insured and deposit cash sweep options for clients who want uninvested cash to earn interest while remaining readily available.

With insured cash sweeps, funds are automatically moved to participating program banks and receive FDIC coverage up to applicable limits.

A natural fit for high-net-worth investors or anyone maintaining higher cash balances, these programs help clients:

  • Gain confidence through FDIC protection
  • Earn competitive interest on idle cash
  • Avoid transaction charges on swept funds
  • Customize participation by opting out of specific banks
Three financial professionals looking at Cash Sweep information on a tablet.

Lending Solutions for Advisors

LPL’s securities-based lending and margin loans help clients access cash without sacrificing their investment strategy. 

Learn More

Wealth Management Solutions

Elevate your advisory business with LPL’s extensive planning support across retirement, taxes, estates, and risk management.

Learn More

Unlock More Freedom and Flexibility

At LPL, your business is yours. From full support to full autonomy, choose the business structure that fits you. 

Discover Independence at LPL

Disclosures

*Accounts enrolled in CMA that participate in LPL’s FDIC-insured cash sweep programs may receive FDIC insurance up to the program limits applicable to the sweep they are enrolled in. For more information on LPL’s cash sweep programs, please ask your financial professional.

*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.