Cashflow Chronicles by Brickell 21 Capital Management

Introducing Securities Based Lines of Credit: There are Numerous Possibilities

As an International Wealth Advisor, I understand that in life, opportunities arise, and financial support is necessary to capitalize on them. This is why Securities Based Line of Credit is worth considering. Brickell 21 Capital Management is aligned with Raymond James Financial (RJF), a publicly traded broker/dealer offering these lending opportunities to clients who wish to capitalize on cashflow while staying invested.

Consider the possibilities: Need to renovate a new home; take advantage of real estate opportunities; support your business or launch new business ventures … this can possibly be accomplished with the SBL and Margin loans we offer!

The SBL and Margin loans are flexible line of credits that allow clients to borrow against eligible assets in Raymond James accounts while maintaining your investment strategies. This means that you can access cash when you need it, while still working towards your long-term financial plan.

BORROWING MADE EASY WHILE STAYING INVESTED:

Key benefits:

• A streamlined application process, which makes it easy for borrowers to apply and receive funds quickly.
• Competitive pricing and no upfront, maintenance or closing costs make it a cost-effective option for borrowers.
• Flexible repayment options which provide borrowers with the freedom to choose how and when to repay.
• A Securities Based Line of Credit may not be the ideal option for every client, as the interest rates associated with it are subject to variation and may increase over time.

These types of loans allow borrowers to maintain their investment strategies by continuing to buy, sell, and trade within their pledged accounts. They also continue to receive interest and dividends, if the investment is due to pay them out, allowing them to benefit from their investments while still accessing the funds they need.

These convenient lending solutions are cost-effective, easy to access and flexible to repay while meeting unexpected needs and take advantage of life’s opportunities.

A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from an SBLC cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities towards an SBLC. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm can sell the client’s securities without contacting them. A client is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. The firm can increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client is not entitled to an extension of time on a Collateral Call. Increased interest rates could also affect SOFR rates (or any successor rate thereto) that apply to your SBLC causing the cost of the credit line to increase significantly. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s non-pledged Capital Access account.

Securities based line of credit provided by Raymond James Bank. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, member FDIC.

Lending services provided by Raymond James Bank, member FDIC, affiliated with Raymond James Financial Services and Raymond James & Associates, Inc.

Dividends are not guaranteed and must be authorized by the company’s board of directors.