> 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-learn-more/example-client-scenarios.md). # Example client scenarios {% hint style="info" %} ## If a client is paying interest anywhere, there's likely a fit Use these to spot opportunities in your book and to frame the conversation. Anyone paying interest or about to sell something is worth a look. {% endhint %} ### The client about to sell for a large expense **The situation:** A renovation, a wedding, tuition, a medical bill, a business need. Their instinct is to sell investments to cover it. **The fit:** Borrowing instead of selling avoids the capital gains hit, keeps them fully invested, and the interest is generally deductible. This is often the single most valuable conversation you can have, they were about to make an expensive decision by default. **What to say:** > "Before you sell, let's look at borrowing against the portfolio instead. You'd avoid the tax hit, stay invested, and the interest is deductible." ### The client buying a home **The situation:** They're purchasing a new property and either taking a jumbo mortgage or planning to sell assets for the down payment. **The fit:** SyntheticFi can supplement or replace the mortgage at a lower rate with deductible interest, and it removes the need to sell for the down payment. Stacking a traditional mortgage (deductible up to the cap, currently $750K) with a SyntheticFi loan captures both deductions. **What to say:** > "Before you lock in that mortgage, let me show you an option that's usually cheaper, lets you deduct the interest with no mortgage deduction cap, and means you don't have to sell anything for the down payment." ### The client with an SBLOC or margin loan **The situation:** They're already borrowing against their portfolio, at a high rate, with non-deductible interest. **The fit:** The cleanest win in your book. SyntheticFi refinances it at a lower rate with deductible interest, and there's no extra cost to the client. Most clients say yes on the spot once they see the savings. **What to say:** > "You're paying a lot on that line and none of it is deductible. I can likely get you a lower rate that is deductible, without touching your investments." ### The client with a HELOC or high-rate mortgage **The situation:** They took out a HELOC or a jumbo mortgage, possibly years ago at a higher rate, and they're carrying it without much thought. **The fit:** Often bigger savings than the SBLOC case, and it's the one most advisors never think to look for. If they have enough non-retirement assets to back the loan, SyntheticFi can usually refinance it lower, and mortgage interest is capped (currently at $750K of principal) while SyntheticFi's is not. **What to say:** > "That mortgage rate is worth revisiting. There's a way to refinance part of it that's cheaper and generally deductible, with no mortgage deduction cap." ### The client buying a home before the old one sells **The situation:** They found the new house but haven't sold the current one. They need bridge liquidity to close. **The fit:** Fast, flexible bridge financing without forcing them out of the market or into expensive short-term bank credit. Once the old home sells, they can pay the loan down. **What to say:** > "We can bridge the gap by borrowing against your portfolio. It's cheap, it's fast, and you can pay it down as soon as the other place sells." ### The business owner or real estate investor **The situation:** They need liquidity for operations, a deal, or an opportunity, and the timing matters. **The fit:** No credit check, no traditional underwriting, no covenants, and often a lower rate than a bank line. Speed and flexibility matter as much as price for this client. **What to say:** > "You don't need to go through a bank for this. We can pull the liquidity from your portfolio quickly and at a better rate." ### The client with a large appreciated position **The situation:** They have a concentrated or heavily appreciated holding they don't want to sell, but they need cash. **The fit:** Borrowing against the portfolio lets them access liquidity without triggering the gain. Pairs naturally with buy-borrow-die planning for clients thinking about estate outcomes. **What to say:** > "You don't have to sell it to get liquidity. We can borrow against it, defer the gain, and the interest is deductible." ### The client planning around taxes **The situation:** You're doing year-end or annual tax planning and looking for levers. **The fit:** SyntheticFi interest is generally deductible as a capital loss regardless of how the loan is used, which makes it a genuine planning tool, not just a financing product. Worth raising in any tax-aware conversation. **What to say:** > "There's a borrowing structure we can use that generates a deductible capital loss. It's worth looking at as part of your overall tax picture." {% hint style="info" %} ## See a client in this list? Run their numbers in the Proposal Center to get a side-by-side savings comparison you can share directly. {% endhint %} *** [\* 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/serving-existing-clients-learn-more/example-client-scenarios.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.