How a securities-based line of credit gave a widow the freedom to plan her future
When Mary’s husband passed away unexpectedly at age 61, she found herself suddenly managing their $2.3 million investment portfolio—along with a wave of overwhelming decisions. Her advisor introduced a resource available to support her: a flexible line of credit secured by her investment portfolio.
“I knew I had ample resources, but I wanted to be intentional about how I used them. The last thing I wanted was to make rushed decisions driven by urgency.”
Mary’s story isn’t unique. According to Cerulli Associates, $54 trillion will transfer to surviving spouses by 2048—more than 95% of it to women.¹ Yet, 84% of women report they don’t feel comfortable managing an inheritance or windfall.²
¹ Cerulli Associates, The Cerulli Report—U.S. High-Net-Worth and Ultra-High-Net-Worth Market 2024
² Citizens Great Wealth Transfer Survey, 2025
