Professional Advice on the needs and strategies for Business Owners.
As a business owner you require tailored solutions designed to meet your growing business needs. Our team specializes in supporting businesses of all sizes and complexity by offering comprehensive models and services.
Cash Management
Many business owners maintain a cash balance to use towards unexpected expenses, operating costs and/or to fund upcoming expenses, operating costs and/or to fund upcoming expansion; but is this money still growing?
The goal is help your money achieve a higher yield than money markers or Certificates of Deposits (CDs) with no state or local income tax.
What will you invest in?
We will invest in 30-day, 60-day and 90-day Treasury Bills.
What is a Treasury Bill?
A Treasury Bill (T-Bill) is a short-term debt obligation backed by the Treasury Department of the U.S. government with a maturity of less than one year.
How is interest taxed?
Interest earned on all U.S. Treasury securities, including treasury bills, is exempt from taxation at the state and local level but is fully taxable at the federal level.
Are Treasury Bills FDIC insured?
No. They are backed by the full faith and credit of the U.S. government.
Retirement Planning
Our team offers a variety of small business retirement plans that offer business owners and their employees tax-advantaged ways to save for retirement with flexible funding, tax-deductible contributions, a wide range of investment options. and higher contribution options than the traditional IRA. We can help you find a plan that is right for your growing business needs and retirement goals.
Business Asset Lending
By owning stocks, bonds, exchange traded funds or other eligible securities, you can borrow up to 75 percent against the value of your portfolio without liquidating your positions. Portfolio loans, also known as stock loans or security based loans work as a revolving line of credit—allowing you to grow your business.
Advantages and Features
– Revolving Line of Credit
– Finance bridge loan
– Debt consolidation
– Taxes
– Equipment purchasing
– Real Estate purchases
– Supplement operating costs
Does Margin Show up on my Credit Report?
No, it does not. A margin account provides you with a way to borrow money against the value of the investments in your portfolio. Since most loans require some sort of credit approval, it’s natural to think that using a margin account can have an effect on your credit. However, in most cases, this isn’t true. A margin account only affects your credit if your collateral, in the form of your investments, vanishes and you can’t repay your loan.
Do I need to go through underwriting to be able to Margin my securities?
No, you do not. If your securities are accepted as marginable by the custody firm, and held at that firm, Margin can be extended without going through the long personal underwriting process.