Margin Solutions

CreditAdvance® allows you to leverage your investments to enhance your purchasing power. This securities-based lending tool gives you access to funds based on the market value of the marginable securities held as collateral in your brokerage account. Marginable securities include most investment vehicles listed on the New York Stock Exchange®, securities that are traded on the NASDAQ® and certain mutual funds. In addition, you can apply the lien of credit to most personal or business needs, including the purchase of additional securities.

There are several advantages to leveraging your purchasing power through the use of margins, including:

• Competitive interest rates. With CreditAdvance, you have access to interest rates that may be lower than the rates of standard bank loans and credit cards.
• Flexible loan terms. CreditAdvance does not impose a repayment schedule as long as you maintain the required equity level. And, you can prepay the principal balance at any time, without penalty
• No fees. There are no fees for establishing the service such as points, application fees, activation fees, annual fees or filing fees nor are there termination fees.
• Simple approval process. Enrollment is easy, involving a single agreement. As long as you have marginable investments in your accounts as collateral to borrow funds.

From covering personal discretionary expenditures to achieving investment objectives, CreditAdvance can help you finance your goals sooner by allowing you to use the marginable investments in your accounts as collateral to borrow funds.

When you use this innovative line of credit to purchase additional securities, you can maintain your existing portfolio positions, enabling you to delay the capital gains taxes associated with the liquidation. At the same time, by retaining investments that are performing well, you can continue to experience the benefits of capital appreciation and income. Additionally, you may also be able to deduct interest expenses from your tax liabilities at the end of the year.

Ziegler offers competitive margin lending rates. Contact your financial advisor or our  at 888.884.8339 to learn more.

View the Margin Disclosure Statement.

LoanAdvance and CreditAdvance may not be appropriate for all investors, and risks should be carefully evaluated. If the market value of the collateral account depreciates, the borrower may be required to deposit additional funds or marginable securities into the account. Failure to satisfy account maintenance requirements will result in restrictions on your account and liquidation of sufficient securities to bring the account to an acceptable equity level. Purchaing securities on margin can expose investors to the potential for higher losses and an investor can lose more funds than are deposited into the CreditAdvance account.

Borrowing on margin and using stocks as collateral involves a high degree of risk.

Market conditions can magnify any potential for loss; if the market turns against the investor, he or she will be required to deposit additional securities and/or cash in the account.

The securities in the account may be sold to meet the margin call, and the firm can sell the investor’s securities without contacting them.

Interest rates charged are determined by the value of the cash and securities in the account prior to initiating the loan.