> 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/quick-start/bringing-it-to-clients.md).

# Bringing It to Clients

**Module 2 of 4 · 4 minutes**

{% hint style="info" %}

## See where SyntheticFi fits in your book

Here are the everyday situations where it's the right tool, and simple language to use with your client in each one.
{% endhint %}

### The four situations you'll see most

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th></tr></thead><tbody><tr><td><strong>Needs cash, about to sell</strong></td><td>Borrow instead of selling. No capital gains, stays invested.</td></tr><tr><td><strong>Buying a home</strong></td><td>Lower rate, deductible, no need to sell for the down payment.</td></tr><tr><td><strong>Already borrowing elsewhere</strong></td><td>Refinance their existing loan using SyntheticFi.</td></tr><tr><td><strong>Winning a prospect</strong></td><td>Lead with the savings. A concrete reason to move to you.</td></tr></tbody></table>

***

### Needs cash, about to sell <a href="#about-to-sell" id="about-to-sell"></a>

**The situation:** A big expense is coming, a renovation, tuition, a business need, and their instinct is to sell investments to cover it.

**The play:** Borrow against the portfolio instead of selling. No capital gains, no lost upside, and the interest is deductible.

**What to say:**

> "Instead of selling and taking the tax hit, we can borrow against the portfolio at a low rate. You keep everything invested, the interest is deductible, and the return on your investments could outpace the borrowing rate."

### Buying a home <a href="#buying-a-home" id="buying-a-home"></a>

**The situation:** They're about to take out a mortgage, or weighing whether to sell investments for a down payment.

**The play:** Use SyntheticFi to supplement or replace the mortgage. Lower rate, interest generally deductible with no mortgage interest deduction cap (currently $750K), and they keep their portfolio invested.\*

**What to say:**

> "Before you lock in that mortgage, let me show you an option that's usually a lower rate, keeps you invested, and lets you deduct the interest with no $750K mortgage interest deduction cap."

### Already borrowing elsewhere <a href="#already-borrowing" id="already-borrowing"></a>

**The situation:** They have a loan or line of credit against their portfolio, a home equity line, or a high-rate mortgage.

**The play:** Refinance it using SyntheticFi. Usually the easiest win, since the client is already comfortable borrowing and the savings are obvious.

**What to say:**

> "You're paying about \[X]% on that, and none of it is deductible. I can likely get you a lower rate that *is* deductible, without touching your investments. Want me to run the numbers?"

### Winning a prospect <a href="#winning-a-prospect" id="winning-a-prospect"></a>

**The situation:** A prospect is borrowing expensively somewhere else, or has a large portfolio and an upcoming cash need.

**The play:** Lead with the savings. Run their current loan against SyntheticFi and show the side-by-side. A concrete reason to move to you.

**What to say:**

> "Send me your current loan details and I'll show you a side-by-side estimate of what you'd save, and the interest is generally deductible.\*"

### A quick note on risk

Like any portfolio-backed loan, SyntheticFi carries some risk, and it's very manageable. SyntheticFi monitors the portfolio for you, and the risk is comparable to or lower than the alternatives. The next module covers it simply so you can speak to it with confidence.

***

When you're ready, hit **Next** below.

***

[\* Important Disclosures](/disclosures.md)


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