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r What is the client's timeline? Is there an immediate need for liquid
funds and are they currently available?
r What is the client's overall risk tolerance and are adjustable rate
opportunities appropriate?
r Is there the ability to repay the loan under the stated terms and
timeframe? Are financial circumstances expected to significantly
change in the near term?
r What is the current tax situation and would the deferring of capital
gains help maintain long-term investing goals? Is the client's tax
situation expected to change during the term of the loan?
r What would be an appropriate payback period when utilizing a loan? Is
there a preference for a set term or greater need for flexibility to pay
back the loan when funds come available?
Mortality Credits
(Risk Pooling)
Things to Consider Prior to
Using Credit
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Leveraging
Both Sides of the Balance Sheet to Help Build Wealth l 7
