Synthetic Borrowing
Access liquidity without immediately selling long-term investments. Through advanced portfolio-based strategies, eligible clients may be able to generate cash while keeping their broader financial plan and investment goals intact.
Portfolio-Based
Liquidity
Strategies
For clients who need access to capital but want to avoid selling long-term investments — Boyer Financial Services helps you stay invested while unlocking the liquidity you need.
Through Vest Financial's Synthetic Borrow™ Strategy, eligible investors may be able to access upfront liquidity using an options-based strategy known as a short box spread — providing cash today in exchange for a fixed repayment at a future date, with fixed, competitive implied rates and no forced sale of your investments.
Major Purchase
Fund significant acquisitions — real estate, business interests, or personal milestones — without disrupting your portfolio.
Temporary Liquidity
Bridge a cash-flow gap or create reserves during a transition while your investments remain fully deployed.
Investment Opportunity
Act on time-sensitive opportunities without selling existing positions at potentially inopportune moments.
Tax Planning
Avoid triggering capital gains on appreciated securities by accessing liquidity through the options market instead of selling.
Fixed Repayment Terms
The implied rate is established upfront, helping clients understand the full cost of the strategy from day one — no surprises at the horizon.
Competitive Implied Rates
By accessing liquidity through the options market, clients may achieve more attractive implied rates compared to certain traditional lending or margin alternatives, depending on market conditions.
No Required Sale of Securities
Access cash without liquidating positions. Your underlying portfolio remains intact and continues working toward your long-term objectives.
Flexible Use of Funds
Liquidity can be deployed for major purchases, business opportunities, tax planning coordination, or any other strategic objective you and your advisor identify.
Institutional-Grade Execution
Vest handles strategy execution and operational support. Boyer Financial Services guides how this solution fits within your broader financial plan.
Vest Financial's Synthetic Borrow™ Strategy provides eligible investors upfront liquidity through an options-based structure known as a short box spread.
Unlike a traditional loan or margin line, this structure provides cash today in exchange for a fixed repayment amount at a future date — creating a borrowing-like outcome with fixed, competitive implied rates.
The portfolio remains intact throughout. Clients stay fully invested while accessing the capital they need — whether for a major purchase, temporary liquidity, a new investment opportunity, or to avoid triggering unnecessary tax consequences from selling appreciated securities.
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01
Eligibility & Approval
Margin approval is obtained and the strategy is evaluated against your portfolio and overall financial plan with Boyer Financial Services.
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02
Rate Established Upfront
The implied borrowing rate and fixed repayment amount are set before execution — fully transparent from day one.
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03
Vest Executes the Strategy
A short box spread is implemented through the options market, generating upfront proceeds for the client.
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04
Client Receives Liquidity
Cash proceeds become available for your use while your existing portfolio stays fully invested and working.
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05
Fixed Repayment at Maturity
At the predetermined future date, the fixed repayment amount settles — closing the strategy cleanly.
Synthetic Borrow™ is not a traditional loan. It is an options-based strategy that requires margin approval and involves material risks, including but not limited to:
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Your Options?
Speak with Boyer Financial Services to evaluate whether this strategy fits your plan.
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