LEAD THE TRANSFER OF WEALTH TO WOMEN
Position yourself at the forefront of a multi-trillion-dollar shift. Find the financial tools to serve women investors and grow your practice.
THE NUMBERS ADVISORS CAN’T IGNORE
By 2030, women investors will control trillions. See the data and strategies financial
advisors need to win and keep those relationships.
Over $84 trillion
will transfer generationally by 2045—70% to women (Cerulli).
84% of women
report feeling unprepared to manage an inheritance or windfall (InvestmentNews).
95% of women
will be financial decision-makers at some point in their lives. (CFP Board)
Millennial women
are set to become the wealthiest generation of women in history (NY Post).
Expand your practice and discover how to assist women during financial transitions.
Based on McKinsey & Company research conducted in partnership with Dynata, that surveyed over 10,000 affluent investors, nearly 3,000 of them female financial decision makers. “Women as the next wave of growth in US wealth management” (2020) by Pooneh Baghai, Olivia Howard, Lakshmi Prakash, and Jill Zucker.
SUPPORT WOMEN INVESTORS THROUGH LIFE TRANSITIONS
TriState Capital Bank equips advisors with resources for life events that disproportionately affect women, providing clear, client-ready tools to help women navigate key financial decisions.
- Widow financial planning & inheritance: First-90-days plan, retaining surviving spouse assets, and exploring options for liquidity without selling investments via Securities-Based Line of Credit (SBLOC).
- Divorce financial planning & life transitions: Clear cash-flow timelines, SBLOC for divorce settlements and taxes, and avoiding forced sales.
- Women entrepreneurs & executives: Financial planning for women business owners and women executives, including equity compensation, business-sale planning, and securities-backed line of credit for tax-efficient liquidity.
GROW YOUR PRACTICE BY SUPPORTING WOMEN
Learn how you can position yourself as a resource for women navigating financial change with our various resources, including our Carrying the Torch case study about how the newest generation of a family business used a securities-based line of credit to modernize and grow.
“When people are empowered with the right tools, they can make decisions that reflect both their current needs and future aspirations. That’s where we come in. We partner with advisors to deliver flexible lending solutions that support their clients through life’s most important transitions.”
Christine Ehland – Senior Vice President, Private Bank
“We help advisors meet their clients where they are—offering liquidity solutions that align with both immediate needs and future aspirations.”
Ryan Staude – Senior Vice President, Relationship Manager, Private Bank
“We’re here to help advisors deliver more than just financial strategies—we help deliver peace of mind during pivotal moments.”
Morgan Zanke – Regional Relationship Manager, Private Bank
“Our lending solutions are designed to support advisors through life’s transitions, giving them the flexibility to act with confidence and clarity.”
Sean Wetherbee – SVP, National Director of Key Accounts, Private Bank
FLEXIBLE FINANCING FOR LIFE’S TRANSITIONS
Introduce Securities-Based Lines of Credit (SBLOCs) as a powerful, non-disruptive liquidity solution for women investors, including flexible financing for:
- Real estate purchases
- Business investments
- Travel and lifestyle upgrades
- Emergency funding
FAQS
Quick answers to SBLOC questions.
SBLOCs use non-qualified investment accounts as collateral, such as brokerage or trust accounts holding stocks, bonds, ETFs, or mutual funds. Retirement accounts like 401(k)s and IRAs are ineligible.
Typically, up to 65% of your eligible portfolio’s value. For example, a $3 million portfolio may allow you to borrow up to $1.95 million.
Yes! Establishing an SBLOC ensures immediate access to funds for time-sensitive opportunities.
SBLOCs can be used for anything except purchasing securities. Popular uses include funding primary and vacation home purchases, renovations, and bridging cash flow gaps.
SBLOCs offer flexible liquidity that can support strategic planning during key life moments.
They allow clients to access funds without disrupting long-term investment goals, making them a valuable tool in a comprehensive wealth strategy.
SBLOCs typically offer competitive rates, flexible access to funds, and the ability to avoid triggering capital gains, making them a cost-effective and tax-efficient alternative to traditional borrowing options.
SBLOCs can provide liquidity to fund gifting strategies, support family members, or manage estate-related expenses, without liquidating assets. They help preserve wealth while enabling meaningful legacy planning.
Yes. SBLOCs allow you to borrow against your portfolio, helping you preserve your investment strategy and potentially defer capital gains taxes.
SBLOCs often offer lower rates, faster access to funds, and don’t require collateral beyond your investment portfolio, making them a flexible alternative to traditional loans.
Schedule a conversation with your financial advisor to learn more about how an SBLOC might complement your overall financial plan.
Let’s Talk About Your Clients—and Your Growth
Securities-based lending is a non-purpose margin loan secured by eligible, marketable securities. It is non-purpose because the proceeds of the line of credit cannot be used to purchase securities. Securities-based lending has special risks and is not suitable for all investors. The risk of securities-based lending include: (i) market fluctuations that may cause the value of pledged assets to decline, (ii) a decline in the value of the pledged securities that could result in selling the securities to maintain equity, and (iii) possible adverse tax consequences as a result of selling securities.
