> 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/serving-existing-clients-deep-dive/schwab-advisor-view.md).

# Schwab Advisor View

{% hint style="info" %}

## **An account value near $0 is normal.**

After SyntheticFi processes a loan, the "account value" on the Balances tab may show close to $0 before you send the funds to the client's bank account. That's expected. The cash is there.
{% endhint %}

### Finding the cash: the Balances tab

Go to the **Balances** tab. The actual cash in the account is the **net sum of the cash, margin balance, and short balance**.

<figure><img src="/files/oW4d0v8MtxRQB7TcFHQt" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}

## In this example, the client is not being charged margin interest.\*

A Schwab brokerage account's cash balance is made up of three sub-accounts: cash, margin balance, and short balance. The client never sees this breakdown, only the total, but it's visible to you in Schwab Advisor Center. That total is what Schwab uses to calculate margin interest and what the client sees on Schwab.com.
{% endhint %}

### Moving the money out

Use the **Move Money** tab to transfer funds out.

For withdrawals from aggregate margin accounts, we strongly recommend one of these two methods:

* **Wire transfer**
* **Internal journal to another Schwab account** (for example, to take advantage of an existing Schwab ACH / MoneyLink setup)

***

### Reference: what the positions look like

*You don't need this to service a loan day to day. It's here for when you want to see exactly what's in the account.*

### Positions tab

The loan appears as a set of option positions. Schwab recognizes and groups them as a box spread.

<figure><img src="/files/WDKyYN7uhVIeOqta1Xqq" alt=""><figcaption></figcaption></figure>

What to know when reading it:

* **The legs work as one unit.** Individual lines show large positive and negative values, but they offset each other.
* **Per-line gains, losses, and day changes are noise.** Read the totals, not the individual rows.
* **Laddered accounts show many more lines.** Same principle, each group of legs is one piece of the overall loan.

#### Transactions tab

When a loan rolls forward, you'll see the expiring position closed and a new one opened in the same session. Below is an example of a new box spread opened to replace an expiring one.

<figure><img src="/files/c1wp3NuPxXI2pafqtc81" alt=""><figcaption></figcaption></figure>

***

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


---

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