Wealth Management Services
Through advisory lending, we help you work toward obtaining efficient sources of funding for significant purchases or achieving liquidity.
For many individuals and families, standard banking and lending solutions do not meet the more complex needs that come with managing significant wealth. Whether your goal is the acquisition of a yacht, airplane, real estate, the investment in a business, or the creation of liquidity for estate planning purposes, our Private Bankers can provide advice and customized solutions to help you work to reach your goals.
Any financing should take into account a variety of factors specific to your situation to help ensure that your carefully constructed wealth plan is not jeopardized, and that you are optimizing any potential tax saving opportunities.
Our Private Bankers integrate personal, business, and family needs when recommending customized lending solutions. Whether you’re a business owner, family office, trust beneficiary, or a wealthy individual, advisory lending may be a solution to consider discussing with your Private Banker.
What is advisory lending?
Advisory lending is our process of understanding your specific financial situation and constructing customized lending solutions. This process is an important component of a holistic wealth plan. Our Private Bankers will work with you, your other relationship team members, and your outside advisors to create solutions that are complementary to your financial goals. Throughout this integrated process, our team can carefully assess your financial situation, including your multiple sources of income, your assets, and your wealth transfer plan, to craft bespoke solutions that are designed to meet your individual priorities.
What can advisory lending do for you?
Advisory lending can empower you to:
- Solve problems such as bridging a cash flow gap
- Activate on opportunities such as investing in a new venture
- Facilitate the transfer of wealth by swapping assets between trusts
- Benefit from potential tax efficiencies by leveraging low-basis stock
- Help your family by funding an intrafamily loan
- Leverage concentrated stock as a tax-efficient means of accessing liquidity
- Enhance the enjoyment of your wealth by making lifestyle purchases such as art, aircraft, yachts, and unique properties
How we approach advisory lending
As part of comprehensive wealth and estate planning, advisory lending solutions always begin with a careful examination of your entire balance sheet—both assets and liabilities. Additional key considerations include current and future cash flows, along with ongoing liquidity needs. It is important to keep in mind that each situation is unique. There is no one-size-fits-all approach, so every circumstance requires a customized solution.