Highly concentrated stock positions. Loans can provide liquidity without selling stocks and forfeiting upside potential. Loan proceeds can be reinvested into diversified investments or used for estate planning, charitable giving and IRA enhancement.

Closely held businesses and ESOPs. Stock loans can provide liquidity to shareholders who sell to an ESOP and reinvest in illiquid equity QRP. Unlike Floating Rate Notes, equity QRP provides significant upside growth potential.

ACM's structured settlement arrangements can provide solutions in a number of different areas, including:

• Protecting an existing stock position without forfeiting market potential.

• Diversifying a concentrated stock position without selling.

• Generating liquidity from a portfolio to meet income needs greater than dividends could provide.


Premium financing through Emerging Money Corporation.

• Fund important financial planning products such as annuities, life insurance and irrevocable trusts.


• Protect IRA assets while at the same time rescuing those assets from devastating ordinary income and estate taxes.

• Add leverage to charitable gifts by allowing donors to keep their existing stocks while gifting a portion of the loan proceeds to a charity.


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For broker and financial advisor use only. Nothing contained herein should be considered tax, legal, regulatory or investment advice. Stock to Cash may involve the sale of fixed life insurance and/or annuity products. Not all products available in all states. Determining the suitability of any product or concept is the sole responsibility of the professional advisor after having considered all of the relevant facts and circumstances. Stock to Cash® and Emerging Money® are registered service marks of Emerging Money Corporation.