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Wealth Line of Credit

Matthew J. Alexander
Assistant Vice President, Manager - Brighton Community Office
[email protected]
(585) 242-5874 x42020

Your investment portfolio can help to secure your future, but did you know it can also provide you convenient access to funds when you need it?

Selling investments is one option to gain access to cash. Another way is to tap the equity in your investment portfolio through a Wealth Line of Credit (WLOC).

What is a Wealth Line of Credit?*

A WLOC is a convenient funding solution that is secured by using the nonretirement portion of your investment portfolio as collateral for a revolving line of credit.

Essentially, a WLOC allows you to leverage the assets in your investment portfolio to fund non-investment activities. Once a WLOC is established with Canandaigua National Bank & Trust, funds are usually accessible within a few days and can be used for a variety of purposes, such as:

  • Purchasing real estate
  • Making home improvements
  • Paying for educational expenses or other major purchases
  • Financing business opportunities
  • Consolidating existing debt at a lower rate
  • Bridge financing for an unexpected expense or opportunity
  • Rainy-day fund for emergencies

A WLOC can benefit you as an investor in a variety of ways:

Unlock working capital from your investment portfolio.

A WLOC can help you manage your short-term liquidity needs, keeping your investment goals on track while minimizing capital gains exposure and investment losses that can result from the selling of securities.

Maintain greater flexibility and incur lower costs.

Borrowers typically enjoy greater repayment flexibility than they do with other lending options. Lending rates are generally lower than the rates associated with credit lines from home-equity lines of credit (HELOCs), credit-card advances, and other lending instruments.

To learn more about a Wealth Line of Credit, speak with a CNB representative today or visit

©2023 Broadridge Investor Communication Solutions, Inc. All rights reserved. This material provided by Matthew J. Alexander.

*Subject to credit approval. Minimum line amount $75,000.

This material is provided for general information purposes only. Investments and insurance products are not FDIC insured, not bank deposits, not obligations of, or guaranteed by Canandaigua National Bank & Trust or any of its affiliates. Investments are subject to investment risks, including possible loss of principal amount invested. Past performance is not indicative of future investment results. Before making any investment decision, please consult your legal, tax or financial advisor. Investments and services may be offered through affiliate companies.