How an Ameriprise advisor can help

Managing cash flow while keeping an eye on the bigger picture can be complicated. You would like to make progress towards your goals while balancing your lifestyle, debt and being prepared for emergencies. Your advisor will work to understand your lifestyle, identify your needs, and can help set up a plan to balance short-term demands with your long-term goals.

Solutions may include:

Securities-based Lending

A securities-based line of credit is a revolving line of credit that uses your eligible, nonqualified investments as collateral. Once opened, you can access it as needed to support your personal or business requirements. This can be especially useful if you experience inconsistent income or revenue compared to your expenses.

Home Equity Line of Credit

A home equity line of credit (HELOC) is a loan backed by the equity in your home, oftentimes with rates much lower than other alternatives. If you have sufficient equity in your home and need a short-term solution to secure funds quickly, a HELOC can be a proactive way to manage cash flow needs.

Cash

Advisors can help you establish a cash strategy tailored to your unique needs and lifestyle. They’ll consider factors like expenses, job security and income predictability to find a plan that works for your particular situation.

Credit Card

Another way to help manage cash flow is utilizing a cash back card where the rewards help you fund your goals. Cash back rewards can accumulate over time allowing you to apply the funds towards your financial targets. An advisor can walk you through using a card to your long-term advantage and show you how to put your money to work.

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