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

How a flexible credit solution supported Claire’s grandkids’ education

Claire, a retired teacher, wanted to help her grandchildren graduate debt-free. She and her late husband had built a $2.5 million portfolio that could cover the cost—but selling appreciated assets now would trigger capital gains taxes and possibly reduce the portfolio’s long-term value. Instead, her advisor introduced her to a securities-based line of credit (SBLOC), allowing Claire to fund tuition each semester while keeping her investments fully intact and compounding.

“Being able to give today and see the impact–that’s what made it so special.”

A recent study found that 62% of seniors list ensuring their grandchildren have the best opportunities, including education, as a top priority.¹

¹ TheSeniorList, November 20, 2024

How the next generation used a securities-based line of credit to modernize their business

When Elise and her brother Marcus inherited their family’s manufacturing business, they faced a new kind of pressure: honoring their parents’ legacy while modernizing for the future. As they explored funding options, they learned through their advisor that the $4.1 million investment portfolio they inherited could unlock access to working capital—without disrupting their long-term investment strategy.

“The portfolio line of credit allowed us to invest in the business while preserving the legacy our parents built.”

An estimated $105 trillion of family wealth is set to transition to heirs through 2048¹, and many women are poised to take critical leadership roles in their families’ businesses.

¹ Cerulli Associates, The Cerulli Report—U.S. High-Net-Worth and Ultra-High-Net-Worth Market 2024

Clients successfully met tight timelines without withdrawals in satisfying their objectives.

In the fast-paced world of wealth management, the ability to act swiftly can significantly enhance client satisfaction and trust. And when it comes to those situations where your clients need access to quick liquidity to meet new opportunities or manage emergent cash flow issues, having alternatives in place to avoid hasty portfolio withdrawals can be essential to protecting their long-term financial goals.

Independent advisors can provide an alternative to portfolio withdrawals by introducing their clients to a securities-based line of credit (SBLOC). Such credit lines offer clients prompt liquidity without disruption to their investment portfolio. TriState Capital Bank has a proven history of partnering with advisors to meet a range of client borrowing needs, including the challenging and complex, with exceptionally efficient speed. Here are just two examples of how speed to funding allowed one advisor to help two of his clients meet their current goals without compromising their long-term investment objectives.

A Business Owner Builds Cash Flow Resilience through SBLOC Liquidity

The workweek of the private business owner rarely includes a day off. One early Sunday morning a business owner found himself reviewing his business accounts and strategizing for the period ahead. Several sizable receivables that he had been expecting for weeks were still outstanding. With looming payroll deadlines and business taxes to settle, he realized the urgent need to secure funding quickly to maintain his business’s momentum.

There had been a few previous occasions where he narrowly avoided withdrawing funds from his investment accounts. He understood that such withdrawals would incur tax consequences and sideline future market participation. Then he recalled his financial advisor mentioning several clients utilizing securities-based lines of credit (SBLOCs). Could this be an option to address his current business needs?

Strategic Lending Solutions for Evolving Real Estate Portfolio

An experienced commercial real estate investor had successfully financed numerous property acquisitions and renovations using securities-based lines of credit (SBLOCs). Their diverse portfolio comprising retail centers, office buildings, and industrial warehouses had grown significantly over the years.

However, as the scale of their business expanded and interest rates fluctuated, the challenge of managing capital costs became increasingly complex. Recognizing the need for more sophisticated financial solutions, the investor’s advisor introduced them to TriState Capital Bank as a partner with expertise in flexible and customized financing options.

Now On Demand

Summary: This informative webinar provides an overview of a securities-based line of credit (SBLOC) from TriState Capital Bank. As one of the most flexible lending options available to you and your clients, SBLOCs offer access to liquidity without disrupting your clients’ investment strategies and objectives. With both fixed- and floating-rate options available, SBLOCs are an ideal solution for both short- and long-term borrowing needs for all of life’s milestones.

Accepted for 1 CFP® / IWI / CFA CE Credit

Register today

*This CE Credit is produced by RIA Channel

Cash is King in Real Estate Purchases

A couple contacted their financial advisor to discuss
making a significant withdrawal from their non-qualified
account. They were trying to purchase a larger home in
a competitive housing market, but their mortgage contingency
was keeping them from winning bids. They were frustrated.
“We need the cash,” they explained.

Fortunately, their financial advisor had a solution—a TriState
Capital securities-based line of credit (SBLOC). This gave them
quick access to cash without making a substantial withdrawal
that would disrupt their long-term investment goals.

Advancing the Timeline for Sizable Home Renovations

A family shared with their advisor their desire to upgrade their
primary residence and also begin renovations on a second
home. While exploring home equity financing, they realized
that given their current levels of home equity, the timeline for these
projects was still years away. They started considering the option
of liquidating some of their investments to finance the projects.

Their financial advisor introduced an alternative thought—a
TriState Capital securities-based line of credit (SBLOC). Unlike
home equity lines of credit (HELOCs) that rely on current home
value, an SBLOC would use their non-qualified investment portfolio
as collateral, offering them immediate access to cash while
keeping their assets invested.

Over the last two years, rising interest rates have created financial concerns for high-net-worth clients— and a need for resolution. One such individual came to us regarding a large floating real estate debt. This client had used a securities based line of credit (SBLOC) at a large commercial lender to purchase a home several years before, financing $3.6M at a variable rate. He planned to make interest-only payments for several years, but in 2022 and 2023, rate increases caused his monthly payments to rise. In search of a better solution, he turned to his financial advisor, who recommended he speak with us.