Pledged Asset Lines
A pledged asset line is a line of credit that allows you to borrow against your investment portfolio without selling your holdings. This can provide flexible access to cash when you need it—for personal or business purposes—while keeping your investments in place and working toward your long-term goals.
We coordinate pledged asset lines for qualifying advisory clients through our custodian, Charles Schwab. This service is generally available to clients with $250,000 or more in eligible assets and is managed as part of your broader financial plan to ensure it aligns with your cash flow needs and overall strategy.
Common uses include:
- Accessing short-term liquidity without triggering a taxable sale
- Bridging cash needs for tax payments, real estate purchases, or large expenses
- Managing cash flow during periods of market volatility or income timing gaps
Because a pledged asset line is a form of borrowing, it should be used thoughtfully and in coordination with your advisor. We help clients evaluate when it makes sense—and when it doesn't—based on their individual circumstances.
