A securities-based line of credit uses your eligible, nonqualified assets as collateral. It can be set-up in advance to provide you with the comfort of having access to the funds you need, when you need them, without having to liquidate your investments at inopportune times. This solution can help you face both planned and unplanned events, such as a new baby, a death in the family or emergencies, with more confidence.

With a home equity line of credit (HELOC), you can use the equity in your home to help cover expenses that arise from major life events. Whether you experience unplanned events like job loss or a medical emergency, or planned events like a birth, marriage, or paying for college expenses, a HELOC allows you to have funds on hand, while retaining longer term savings and retriement goals.

Whether saving up for a milestone or planning for the unexpected, your advisor can help you establish a cash savings strategy. Together you can create a plan that considers expected and unexpected expenses, job security, and income predictability to find the appropriate strategy for both your short- and long-term goals.