> 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/managing-active-syntheticfi-loans.md).

# Managing active SyntheticFi loans

{% hint style="info" %}

## Your only jobs are a yearly review and a tax heads-up

Once a loan is open, you review it with the client so the structure still fits, and give them a heads-up before tax season. SyntheticFi handles the trading, monitoring, and reporting in between.
{% endhint %}

SyntheticFi loans run themselves once they're open. Your job is to keep the structure aligned with the client's goals and keep them informed. That's two touchpoints.

### The two touchpoints

1. **Loan review.** Once a year, or as the client's needs change, check in on the loan: is the balance still right, is floating versus fixed still the right call, what are the rollover options at expiration, has anything in the portfolio changed. It's a 15-minute conversation, usually folded into your regular client review.
2. **Tax-season heads-up.** Before tax season, send a short note reminding the client that the loan generates a capital loss on their consolidated 1099. Most CPAs handle it without issue, but a heads-up prevents surprised calls. For the details, see [More on tax deductibility →](/product-deep-dive/more-on-tax-deductibility-examples-and-filing.md)

SyntheticFi handles everything else automatically: rolling positions, monitoring margin, executing trades, and reporting.

### Reading the loan in Schwab

SyntheticFi loans show up differently from a traditional loan in the Schwab view. If you want a walkthrough:

* **For your own view:** a line-by-line breakdown of how the loan appears in Schwab Advisor View. [Schwab Advisor View →](/serving-existing-clients-deep-dive/schwab-advisor-view.md)
* **For the client's view:** how to set expectations and answer the questions clients ask when they see it in their own login. [Schwab Client View →](/serving-existing-clients-deep-dive/schwab-client-view.md)

***

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


---

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