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Liquidity & Credit Management

Simplified banking and more convenience

Our clients want simplified banking and more convenience to help manage liquidity, despite the complexity of their holdings. Sophisticated credit solutions are also essential.

Financial success is often the result of a strategic balance of liquidity, debt, equity and timing. Sufficient liquidity is necessary for living expenses, short-term obligations, and to fill in the gaps if income is lost. Excessive liquidity, however, can impede wealth creation and income potential. When used constructively, debt can help balance lifestyle with wealth creation goals.

These are all important tactics that require thoughtful consideration and a thorough understanding of your financial situation. An appropriate mix of cash, readily-marketable securities, and long-term investments can accommodate. Let our team work with you to determine the appropriate mix of liquidity and debt for you.


WE PROVIDE THOUGHTFUL CONSIDERATION AND THOROUGH UNDERSTANDING.

  • Personal banking and lending services
  • Evaluate liquidity needs and structure debt to maximize wealth creation
  • Analyze advantages of low-interest rate environment

Key Questions

What steps have you taken to determine the appropriate mix of cash, cash alternatives, certifications of deposit and other fixed income instruments to ensure ample liquidity? How have you used liquidity to mitigate possible loss of income? How have you analyzed what amount of debt is right for you? What is your correct mix of debt and equity for various investment opportunities? Should you secure your loans with home equity or other types of assets? Is a margin loan more suitable than a stock-secured line of credit?

Disclosures

Atlantic Union Bank Wealth Management is a division of Atlantic Union Bank that offers asset management, wealth banking services, and trust and estate services. Securities are not insured by the FDIC or any other government agency, are not deposits or obligations of Atlantic Union Bank, are not guaranteed by Atlantic Union Bank or any of its affiliates, and are subject to risks, including the possible loss of principal. Deposit products are provided by Atlantic Union Bank, Member FDIC.

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