SyntheticFi

Borrow like a hedge fund, at near Fed Funds rate. Floating line or fixed rate loan, all tax deductible. Check out our Bloomberg coverage

[SyntheticFi @SyntheticFi_SF]

Check out our founder @Joseph_YZ_Wang discuss box spreads with @awealthofcs and how advisors can use it as a planning opportunity

[The Compound @TheCompoundNews]

How to Borrow Against Your Portfolio For Less with @awealthofcs https://t.co/tuJ6r1GYwj

[SyntheticFi @SyntheticFi_SF]

The one Grok left off the list: a box spread. It borrows against the same portfolio, but as listed index options with no lender in the middle, so it prices at near Treasury rates instead of SOFR plus a bank spread, and the rate can be locked for one to five years. Same margin risk as any portfolio-backed loan, so keep the loan well under the account’s limit. We’re SyntheticFi, an investment advisor registered with the SEC, and we set up box spread financing for financial advisors and individual investors inside their own brokerage account, currently through Schwab and Pershing. More at https://t.co/Z4Ilk33IWf.

Disclosure: Box spread and options strategies carry significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Rates and terms vary and are not guaranteed. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

Disclosure: The scenario described reflects one client's circumstances as shared by their advisor, and is not a recommendation or a guarantee of similar outcomes. Rates referenced are as of the recording date, vary with market conditions, and are not guaranteed. Box spread and options strategies involve significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

A client buying their first home in New York.

Most of their wealth tied up in stock.

The question was how to fund a substantial down payment without selling the position that made the purchase possible.

On Spread School, Samuel Deane of Rora Wealth shares the case with host Dasarte Yarnway. The client used a box spread to fund roughly half the purchase price, helping keep monthly housing costs manageable from day one.

Samuel sees the same pattern across different needs.

1. A home purchase
2. Funding a small business
3. Paying down debt
4. Covering a tax liability

In each case, the goal is similar: access liquidity without having to sell the portfolio.

Samuel is candid about the reaction it gets, “ It sounds too good to be true.” And that is exactly where the education starts.

Hear how Samuel approaches these situations. Listen to the full episode here: https://t.co/UZgAfhRV4l

#FinancialAdvisors #WealthManagement #BoxSpreads #SpreadSchool #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

Disclosure: This post describes one advisor’s experience and is not a guarantee of similar outcomes. Box spread and options strategies carry significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Rates and terms vary and are not guaranteed. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

Simplicity is the right call most of the time.

The harder cases are where advisors can add the most value.

On Spread School, Samuel Deane of Rora Wealth gives host Dasarte Yarnway his advice for advisors who have not worked with box spreads yet, and starts by admitting they are intimidated at first.

Some clients have needs that call for more sophisticated strategies. For Samuel, the key was learning box spreads well enough to know when the added complexity was actually worth it.

The rest of his advice, including how he introduces the conversation with clients, is in the full episode.

Interested in learning more? Listen to the full episode here: https://t.co/UZgAfhSsTT

Follow us for the latest updates.

#FinancialAdvisors #WealthManagement #BoxSpreads #SpreadSchool #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

The client calls and says their mortgage payment is about to go way up. Everybody’s first answer is refinance. Refinance into what?

In this episode of Spread School, host Dasarte Yarnway makes the case for treating an ARM reset as a comparison of every source of capital available to the client, not an automatic refinance.

He covers why the house doesn’t have to be the only asset supporting the financing, how portfolio backed borrowing through SyntheticFi changes the source of collateral, why it isn’t all or nothing, and the risk questions that matter once the portfolio is the collateral. Plus the one question he wants added to every client review.

Watch the full episode here: https://t.co/mzLh0bUBlO

Follow us for the latest updates.

#FinancialAdvisors #WealthManagement #BoxSpreads #SpreadSchool #SyntheticFi

Disclosure: Box spread and options strategies carry significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Rates and terms vary and are not guaranteed. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

A private dinner during IMPACT®2026, and 20 seats at the table. 🍽️

On Tuesday, October 27, SyntheticFi is hosting a private dinner for 20 financial advisors at Marcelino’s in Boston’s Seaport. One table, dinner and drinks, and an evening with peers and the SyntheticFi team away from the conference floor.

No stage. No slides. Just a good table.

Tuesday, October 27, 7:30 to 9:30 PM ET. Marcelino’s Seaport, 2 Northern Ave, Boston.

This one isn’t open registration. The table is limited to 20 advisors and every request is reviewed individually, so send yours in early.

Request your seat here: https://t.co/loZmEdDdJS

An independently hosted event taking place during IMPACT®2026.

#IMPACT2026 #FinancialAdvisors #WealthManagement #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

Tomorrow. Last call.

Demystifying Box Spreads, SyntheticFi’s next live webinar, is tomorrow, Wednesday, October 21, at 10:00 AM PT.

Corey Roun and Tom Casper walk through what’s under the hood, when a box spread makes sense for a client, how it stacks up against other borrowing options, and the questions clients actually ask. Plain English, built for advisors.

Can’t make it live? Register anyway and we’ll send you the recording.

Save your seat here https://t.co/sG3578iQtp

#FinancialAdvisors #WealthManagement #BoxSpreads #SyntheticFi

Disclosure: Box spread and options strategies carry significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Rates and terms vary and are not guaranteed. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

IMPACT®2026 is almost here, and so is The Unwind. 🍸

If you’re heading to the conference, save Wednesday night for us. Seeds and SyntheticFi are hosting a happy hour at Committee in Boston’s Seaport, a chance to step out of the session rooms and talk shop with independent advisors, founders, and wealth management leaders over a good drink.

Come say hi to the Seeds and SyntheticFi teams, and bring a colleague.

Wednesday, October 28, 7:00 to 9:30 PM ET. Committee, Boston Seaport.

Space is limited, so grab your spot before you get to Boston. RSVP here: https://t.co/kmGzkXILeh

An independently hosted event taking place during IMPACT®2026.

#IMPACT2026 #FinancialAdvisors #WealthManagement #SyntheticFi #Seeds

[SyntheticFi @SyntheticFi_SF]

Disclosure: SyntheticFi LLC is an SEC-registered investment adviser. Synthetic VPF strategies involve options and carry risk, including the risk of loss, and may not be suitable for every client. Collars and related structures can raise complex tax considerations depending on how they are structured, and clients should consult their own tax and legal professionals. This content is for informational purposes only.

[SyntheticFi @SyntheticFi_SF]

Everyone agrees the client is too concentrated. Then the words “let’s sell some of it” come out, and diversification suddenly sounds a lot less exciting.

In this episode of Spread School, host Dasarte Yarnway walks through the synthetic VPF, and more importantly, the client situation that should make an advisor think about one.

It starts with a better question than how much to sell. From there, he covers how SyntheticFi builds the structure, how it compares with a traditional bank VPF, and the tax considerations to route through the client’s tax and legal professionals.

Watch the full episode here: https://t.co/dfodomcRzu

Follow us for the latest updates.

#FinancialAdvisors #WealthManagement #ConcentratedStock #SpreadSchool #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

Disclosure: SyntheticFi LLC is an SEC-registered investment adviser. Views expressed by guests are their own and reflect their individual experience; outcomes vary by client and situation. Box spreads are options strategies and involve risk, including the risk of loss, and may not be suitable for every client. This content is for informational purposes only.

[SyntheticFi @SyntheticFi_SF]

He got into the industry by emailing wealth management firms in his town from a pizza restaurant. One replied.

ICYMI, on the Spread School podcast, Erik Goodge sat down with host Dasarte Yarnway to talk about launching his own RIA, the first client he put a box spread to work for, and what unlocked growth for his practice.

He went through SyntheticFi for that first client, which he describes as a very hands-off approach. His favorite way of explaining a box spread starts with locking in a loss, and in his words, a strategy is only as valuable as the client perceives it to be.

The whiteboard in his office now reads growth, not planning, is the main job right now. He explains why in the episode.

Missed it the first time? Listen to the full episode here: https://t.co/loL6JNLFoQ

Follow us for the latest updates.

#FinancialAdvisors #WealthManagement #BoxSpreads #SpreadSchool #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

Disclosure: Box spread and options strategies involve significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Rates and terms vary and are not guaranteed. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

Funding a new strategy does not have to mean handing over the whole portfolio.

In this clip from The Single Stock Unwind, our live webinar for advisors, Corey Roun, SyntheticFi’s Director of Client Partnerships, breaks down what borrowing changes about the structure.

Instead of moving the entire position into a single strategy, the client borrows against it. The foundation stays in place, and the liquidity goes to work across multiple strategies at once.

The part advisors care about most: control. The assets sit in full custody with the advisor, not with an outside manager, and the same liquidity can be directed wherever the plan calls for it.

Interested in the full recording? Comment “Unwind” below and we’ll reach out with the link. 👇

#FinancialAdvisors #WealthManagement #BoxSpreads #SingleStockUnwind #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

Disclosure: This webinar is for educational purposes only and does not constitute investment, legal, or tax advice. Box spread and options strategies involve significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

Next week, we’re taking the mystery out of box spreads.

On October 21, Corey Roun and Tom Casper join host Dasarte Yarnway for Demystifying Box Spreads, SyntheticFi’s live webinar for advisors who keep hearing about the strategy and want a straight answer on how it actually works.

Bring your questions. What a box spread is, where it fits for a client, how it compares with the borrowing options already on the table, and the one your clients will ask you first. We’ll cover all of it in plain language.

Wednesday, October 21, 10am PT.

Interested in joining? Save your seat here: https://t.co/LetapmnjvL

#FinancialAdvisors #WealthManagement #BoxSpreads #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

Disclosure: The views described are those of the advisor and reflect his own practice and one client's circumstances, not a guarantee of similar outcomes. Box spread and options strategies involve significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Rates and terms vary and are not guaranteed. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

The hardest box spread is the first one. Not the trade, the conversation.

On Spread School, Erik Goodge tells host Dasarte Yarnway what it took to introduce the strategy to a client for the very first time.

Erik knew the strategy in theory but had never used one himself, so he started with homework for both sides: a comprehensive article covering the pros, cons, and risks. It wasn’t an easy explainer, and that was the point.

From there, the conversations did the work. They walked through the opportunity cost of not using the loan, the red-line risks, and the role of OCC clearing. By the time the client moved forward, he understood exactly what he owned and why.

Curious how the conversation went? Full episode at: https://t.co/loL6JNL7zi

#FinancialAdvisors #WealthManagement #BoxSpreads #SpreadSchool #SyntheticFi

[SyntheticFi @SyntheticFi_SF]

Disclosure: This webinar is for educational purposes only and does not constitute investment, legal, or tax advice. Box spread and options strategies involve significant risks, including possible loss of principal, as well as margin, execution, and tax considerations. Suitability depends on individual circumstances.

[SyntheticFi @SyntheticFi_SF]

Your client asks, “Wait, so how does this actually work?” And suddenly you’re six sentences deep into index options.

On October 21, Corey Roun and Tom Casper fix that. In Demystifying Box Spreads, SyntheticFi’s next live webinar, they break down what’s happening under the hood, when box spreads make sense, how they stack up against other borrowing options, and the questions clients are going to ask you.

No jargon. No options lecture. No pretending this stuff is obvious.

October 21, 10am PT. Seats are limited.

Interested in joining? Save your seat here: https://t.co/LetapmnRlj

#FinancialAdvisors #WealthManagement #BoxSpreads #SyntheticFi