Manage Your Liabilities and Cash Flow

Have you considered how a large purchase, necessary cash flow, or an unexpected expense might affect your long-term plan? At Shore to Summit, it's engrained into our planning process to address the effects that both the inflows and outflows of your money have on your overall investment plan. We will work with your attorney, accountant, and other outside advisors, to plan and address your complex needs such as liabilities and cash flow.

If you need funds but don't want to disrupt your investment plan, securities-based lending2 5 available through Wells Fargo Advisors4 may be a solution for you.

If your needs are more complex, we can refer you to a team of professional from across Wells Fargo Bank that will develop strategies to help drive towards your unique objectives. Areas of focus include:

Offered through Wells Fargo Bank, N.A.1

Custom Credit Solutions including:

  • Lending products and services designed to integrate with your estate, financial, and investment planning goals in tax-efficient ways2
  • Specialized financing including aircraft, fine art, life insurance premium financing
  • Employee stock ownership plan (ESOP) monetization financing
  • Complex investor real estate term loans and lines

Cash Management Solutions including:

  • Deposit accounts to help support your needs
  • Treasury management services
  • Foreign exchange services3

On your way to your personal financial summit, it's our job to connect you with the resources and professionals you need to address your full financial picture and curate your best life.


  1. Bank products and services are available through Wells Fargo Bank, N.A., Member FDIC.

  2. Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.

  3. Wells Fargo & Company offers swaps, foreign exchange hedging products and foreign currency risk management solutions through Wells Fargo Bank, N.A., which is a swap dealer registered with the Commodity Futures Trading Commission (“CFTC) and a member of the National Futures Association (“NFA). Balances held offshore, including multi-currency accounts and foreign deposits, are not FDIC-insured, may lose value, and are not guaranteed Foreign Exchange and Interest Rate Risk Management products and services are subject to customer qualification

  4. Brokerage products and services are offered through Wells Fargo Advisors, a trade name used by Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.

  5. Securities-based lending has special risks and is not appropriate for everyone. If the market value of a clients pledged securities declines below required levels, the client may be required to pay down his or her line of credit or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of the clients securities. Wells Fargo Advisors will attempt to notify clients of maintenance calls but is not required to do so. Clients are not entitled to choose which securities in their accounts are sold. The sale of their securities may cause clients to suffer adverse tax consequences. Clients should discuss the tax implications of pledging securities as collateral with their tax advisors. An increase in interest rates will affect the overall cost of borrowing. All securities and accounts are subject to eligibility requirements. Clients should read all lines of credit documents carefully. The proceeds from securities-based lines of credit may not be used to purchase additional securities, pay down margin, or for insurance products offered by Wells Fargo affiliates. Securities held in a retirement account cannot be used as collateral to obtain a loan. Securities purchased in the pledge account must meet collateral eligibility requirements.