Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Wealthy Families Use Structured Credit Lines
Lucas and Luna explore how ultra-wealthy families use securities-based lending to access cash without selling assets. With interest rates at 4.5% in mid-2026, this strategy offers liquidity for large purchases or investments while deferring capital gains. The hosts break down a real-world example: a family borrowing $5 million against a $20 million stock portfolio to fund a real estate acquisition, paying 2% above SOFR instead of triggering a taxable sale. They discuss risks like margin calls, rate structure nuances, and why this tool is increasingly popular among family offices. A practical…
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