Banking and Lending Strategies

Through your brokerage account, we can help streamline and simplify the daily demands of managing your finances. With links to your brokerage accounts, you can keep – and track – all your financial information in one place. Through your brokerage accounts, you can have access to spending tools such as checks, debit cards, online bill pay, and daily transfers to and from your accounts.

Whether you are buying your first home or your fifth, financing a business acquisition or structuring a complex transaction, we can leverage our network of banking partners to help clients secure competitive lending solutions while saving time by coordinating the process.

For residential and commercial real estate, we utilize our network of preferred lenders to source the right financing structure for your situation, from jumbo mortgages to investment property financing.

For commercial lending, our partner banks can provide business loans, lines of credit and acquisition financing tailored to your operating or investment needs. We help coordinate the process to arrive at a borrowing strategy aligned with your broader financial picture.

For structured lending, including custom credit facilities, bridge financing and bespoke arrangements for complex transactions, we work closely with our banking partners to design solutions that fit circumstances standard loan products may not cover.

Many investors spend far less time thinking about their borrowing options than their investments, often leaving a meaningful and tax-efficient source of capital untapped. Securities-based lending (SBL) allows you to borrow against your portfolio without liquidating positions, triggering capital gains or disrupting your long-term strategy.

We facilitate SBL through large partner banks such as US Bank, Goldman Sachs and TriState Capital Bank, giving us the flexibility to match you with the right lender based on your portfolio and borrowing need.

Securities-based lending involves special risks and is not appropriate for all investors. The value of your collateral may fluctuate and affect your borrowing capacity. Please review all program disclosures carefully before borrowing against your portfolio.

For clients who need liquidity for a defined period, we can structure a fixed-rate borrowing facility directly within your investment portfolio, with no bank required. Using exchange-listed options, we can establish a fixed, low-cost borrowing facility with no periodic interest payments. Like a zero-coupon bond in reverse, the cost of borrowing is built into the structure itself and settled at maturity. The result is predictable, low-cost financing that doesn’t disrupt your investment strategy – and a rate that won’t move regardless of what interest rates do during the period. This service is something most wealth managers won’t do for you.