Uploaded March 2026 | Updated September 2026, 3 weeks ago
Most people assume that if they need cash in retirement, they have to sell investments and pay taxes. But that’s not always the case. Today, I’m breaking down a strategy that many wealthy retirees use to access cash without selling their portfolio—a securities-backed line of credit, or SBLOC. Think of it like a HELOC, but instead of borrowing against your home, you’re borrowing against your investment account. I’ll explain how this can help you avoid capital gains taxes, keep your taxable income lower, and even reduce sequence-of-returns risk by staying invested during market downturns. We’ll also cover the risks, including variable interest rates and the possibility of a maintenance call, so you understand when this strategy makes sense and how to use it responsibly.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
Most people assume that if they need cash in retirement, they have to sell investments and pay taxes. But that’s not always the case. Today, I’m breaking down a strategy that many wealthy retirees use to access cash without selling their portfolio—a securities-backed line of credit, or SBLOC. Think of it like a HELOC, but instead of borrowing against your home, you’re borrowing against your investment account. I’ll explain how this can help you avoid capital gains taxes, keep your taxable income lower, and even reduce sequence-of-returns risk by staying invested during market downturns. We’ll also cover the risks, including variable interest rates and the possibility of a maintenance call, so you understand when this strategy makes sense and how to use it responsibly.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
