• Global Wealth Advisors Since 1981
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Financial Flexibility


When you and your family have investing and borrowing needs, come to us. We can provide access to BNY Mellon’s lending solutions, which allow you to leverage the value of your portfolio and satisfy liquidity needs, without disrupting your investment strategy.


The Investment Credit Line (ICL) is a flexible line of credit that provides a convenient source of borrowing for personal or business needs, such as major purchases, unexpected expenses, tax obligations or investment opportunities. Rather than liquidating securities, the ICL potentially eliminates the possibility of capital gains taxes and keeps your long-term investment strategies intact.

  • Minimum facility size: $1 million
  • Secured by qualifying, liquid assets held in your investment accounts in custody at Pershing
  • Acceptance of many forms of collateral, such as equity and fixed income mutual funds, domestic equities, corporate and municipal bonds and government securities
  • Quick turnaround to establish the ICL and minimal ongoing administration
  • No fees charged to establish or maintain ICL
  • Easy access to funds with a simple phone call
    • Funds may be transferred directly into your checking account
    • Funds may be wired to an external account according to your instruction
  • Competitive LIBOR-based pricing is often lower than standard bank loans or credit card advance rates
  • Interest is paid only on the funds borrowed
  • Ability to auto-debit interest payments from eligible investment accounts
  • Ability to segregate sub-limits to support letters of credit 


Bank custody and private banking solutions are provided by BNY Mellon, N.A., member FDIC, a wholly owned subsidiary of The Bank of New York Mellon Corporation. Except with respect to uninvested cash held in a bank deposit account chosen by customer as part of a sweep election, assets custodied at BNY Mellon, N.A. are segregated from the general assets of BNY Mellon, N.A.