Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Credit Lines on Unrealized Gains
Episode 60 of The High Net Worth Podcast dives into a stealth wealth management tool: borrowing against unrealized capital gains instead of selling assets to trigger a tax event. Lucas and Luna walk through how a hypothetical family with $50 million in concentrated stock can access $20 million in liquidity using a securities-backed line of credit — at interest rates near SOFR plus 100 basis points. They compare this to the classic 'buy-borrow-die' strategy, explain why margin loans and bespoke credit lines differ in practice, and unpack the risks: margin calls, forced liquidation…
The skinny
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