> For the complete documentation index, see [llms.txt](https://advisorhub.syntheticfi.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://advisorhub.syntheticfi.com/product-deep-dive/save-existing-clients-money.md). # Save Existing Clients Money {% hint style="info" %} ## Anyone paying interest or about to need cash is a candidate Existing clients save three ways: refinancing an SBLOC or margin loan, refinancing other high-interest debt, or covering a new cash need without selling. All three are easy wins, the client already trusts you, and the savings math is dollar-for-dollar obvious. {% endhint %} Your book has more savings opportunities than you'd think. Any client who's paying interest on a loan, or about to need cash, is a candidate, and the conversation is easy because the client already trusts you. ### The three paths * **Covering a new cash need without selling.** A client needs money for a purchase, a life event, or a business opportunity, and their instinct is to sell. SyntheticFi lets them borrow against the portfolio instead, at a low rate with generally deductible interest, so they keep their assets invested and avoid the capital gains hit. * **SBLOC and margin loan refinance.** The cleanest case. The client is already borrowing against their portfolio at a high, non-deductible rate. SyntheticFi refinances it at a lower rate with generally deductible interest, at no extra cost to the client. [SBLOC refi program →](/serving-existing-clients-learn-more/sbloc-refi-program.md) * **Refinancing other high-interest debt.** Less obvious, often bigger savings. HELOCs, high-rate jumbo mortgages, business loans, and credit lines are all candidates. If the client has enough non-retirement assets to back the loan, SyntheticFi can usually refinance at a meaningfully lower rate. ### How to find the opportunities * **Listen for upcoming cash needs.** A renovation, a wedding, a home purchase, a business opportunity. Any time a client is about to sell or borrow for a large expense, SyntheticFi is usually the cheaper option. * **Pull a list of active SBLOCs and margin loans.** Your quickest wins. Sort by balance, largest first, the biggest balances have the most obvious dollar savings. * **Ask about non-portfolio debt at annual reviews.** HELOCs, business loans, jumbo mortgages, even high-rate auto loans. If the client has the portfolio to back it, SyntheticFi can usually refinance it lower. * **Run the numbers in the Proposal Center.** Plug in the client's loan balance, rate, and portfolio, and it generates a side-by-side savings comparison you can share directly. Most clients say yes the moment they see the annual savings figure. The conversation rarely takes more than 15 minutes. *** [\* Important Disclosures](/disclosures.md) --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://advisorhub.syntheticfi.com/product-deep-dive/save-existing-clients-money.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.