Strathmore Capital Advisors

Before summer is over, a lot of families will spend money on travel, camps, activities, childcare, family gatherings, and plenty of other things that just seemed to “pop up.”

Our latest blog discusses some of the expenses that frequently come with the summer season and how they relate to the financial choices still ahead this year.

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strathmorecapadv.com

When you need cash, the options can sometimes feel a bit limited. They are usually to borrow at current rates or sell investments and deal with potential taxes, but synthetic lending may offer another approach for certain investors.

Instead of selling your assets, you can access liquidity while keeping your investment portfolio in place. These structures are designed to work alongside an existing portfolio, using it as collateral while making cash available for other uses.

For some investors, the main appeal comes down to flexibility. You get access to funds without interrupting a long-term investment strategy, which is particularly useful in volatile markets.

With that being said, it’s still a form of borrowing tied to the value of the underlying portfolio.

Changes in market value, interest rates, and structure can all impact outcomes, so make sure you’re weighing the pros and cons along with your other options.

Depending on your unique situation, it may be something to consider, and our recent blog shares more insight.

https://strathmorecapadv.com/understanding-synthetic-lending-a-different-way-to-access-liquidity/

There’s no single way people approach charitable giving.

Some give to the same few organizations every year, while others give more sporadically, or revisit things when their income or priorities change.

Cash is a common starting point, but there are other ways people handle it, too, depending on their situation. Things like donating appreciated investments, using donor-advised funds, or making distributions directly from retirement accounts all come up.

What often matters more is figuring out how you want charitable giving to fit into your overall financial strategy.

Some questions to consider are:

🔹 How often do you want to give?
🔹 Do you want to involve your family?
🔹 How involved do you actually want to be?

Thinking through these questions can help you make more intentional charitable giving decisions.

Check out our recent blog for a breakdown of the different approaches and how they’re typically used at the link in our bio.

There’s no single way people approach charitable giving.

Some give to the same few organizations every year, while others give more sporadically, or revisit things when their income or priorities change.

Cash is a common starting point, but there are other ways people handle it, too, depending on their situation. Things like donating appreciated investments, using donor-advised funds, or making distributions directly from retirement accounts all come up.

What often matters more is figuring out how you want charitable giving to fit into your overall financial strategy.

Some questions to consider are:

🔹How often do you want to give?

🔹Do you want to involve your family?

🔹How involved do you actually want to be?

Thinking through these questions can help you make more intentional charitable giving decisions.

Check out our recent blog for a breakdown of the different approaches and how they’re typically used here 👇

https://strathmorecapadv.com/charitable-gifting-planning-across-different-approaches/