Lending Solutions That Keep Client Plans on Track

Bring Lending into Holistic Planning

Managing assets and liabilities together allows you to guide clients through liquidity needs without sacrificing long‑term goals. When lending is part of your planning toolkit, you expand the conversation beyond portfolios and step more fully into the role of a wealth manager.

For clients with complex financial lives, this approach supports more coordinated advice and clearer decision‑making. You gain greater visibility across the balance sheet and help clients navigate important financial milestones with confidence.

Securities‑Based Lending

Securities‑based lending gives you a way to plan for short‑term liquidity needs while keeping client investments intact. By accessing a bank‑provided line of credit using eligible investments as collateral, clients can stay invested rather than liquidating assets.

Key Advantages

• Preserve the client’s investment strategy during liquidity events
• Avoid unnecessary taxable sales, depending on individual circumstances
• Offer flexible borrowing terms suited to different client needs
• Access competitive rates through third‑party lending partners

Margin Loans

Margin loans offer another flexible way to access liquidity directly from a brokerage account. Clients can borrow against eligible securities without a formal application process or minimum loan requirement.

Margin is typically used in two ways:

• Short‑term liquidity: cover expenses such as taxes, education costs, while keeping investments in place.
• Investment strategy: support additional buying power or options strategies. These uses involve increased risk and should align with a client’s experience and objectives.

Key Benefits

• Fast access with no formal application or credit check
• No minimum loan amount
• Flexible repayment options
• Competitive interest rates
• Potential tax deductibility of interest, depending on circumstances