We provide sophisticated tools to manage liquidity and home financing as part of your broader financial strategy:

Mortgage Support

Through established relationships with third-party providers like Rocket Mortgage, clients can access digital home financing solutions through a streamlined application and underwriting process. This platform provides a range of loan options, rate structures, and tools to help evaluate borrowing decisions. Integrating these mortgage solutions into a comprehensive financial plan can help align borrowing with overall goals and cash flow needs, providing greater clarity on affordability when purchasing or refinancing a home.

Pledged Asset Line (PAL)

A pledged asset line is a securities-based line of credit that allows you to access liquidity by borrowing against eligible investment assets held in a brokerage account without requiring the sale of those investments. This tool is designed to provide flexibility while maintaining a long-term investment approach.

• Strategic Liquidity: It can be used to manage short-term cash flow, fund large purchases, or navigate transitional periods.

• Tax Efficiency: This approach may help you avoid triggering the taxable events that often result from liquidating investments.

• Considerations: Because the line of credit is secured by the portfolio, borrowing capacity may vary based on market fluctuations and the composition of your underlying assets.

Donor-Advised Funds (DAFs)

Charitable giving can be a strategic component of your financial plan through a donor-advised fund (DAF), such as those available through our relationship with DAFgiving360 (formerly Schwab Charitable). A DAF allows you to contribute cash or other assets to a qualified nonprofit organization and potentially receive an immediate tax deduction.

• Tax Optimization: Contributing appreciated assets to a DAF can help reduce potential capital gains exposure.

• Structured Growth: Contributions are irrevocable, but assets within the fund can be invested to grow tax-free, allowing for more structured long-term philanthropic planning.

• Flexibility: You retain advisory privileges over how and when grants are distributed to qualified charities, providing flexibility in the timing of your donations.

Note: DAFgiving360 and Rocket Mortgage are independent providers, and Arch Global Advisors does not provide tax or legal advice. These solutions are not suitable for all individuals and should be evaluated based on your specific circumstances.