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Wealth Management

Wealth Management: Borrowing

Unlock the Value in the Assets You Own

Your Financial Advisor advisor can show you the smartest uses for debt and how borrowing strategically can help you realize possibilities you might not realize without it.

In doing this, your Financial Advisor advisor has the technology to analyze your current loan structures and simulate alternative approaches. So you can see the potential impact, now and over time, of various borrowing strategies on your cash flow, your net worth and the growth of your assets. This is a powerful decision tool, and it can give you a new perspective on the role strategic borrowing can play.

  • Buy, build, renovate or refinance a home
  • Diversify a portfolio
  • Finance large ticket purchases
  • Meet tax obligations
  • Working capital or growth capital for business
  • Hedge risk of concentrated holdings
  • Investment real estate

A Morgan Stanley Smith Barney Relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Morgan Stanley Smith Barney Home Loan Program at Citibank. Home equity programs not available in AK. A default (stopping monthly payments) on a mortgage could result in the loss of pledged real estate, securities or both.

Our policy does not permit clients to use the proceeds of a home loan to invest in the securities or related markets. Your Financial Advisor advisor may receive compensation in connection with this lending program. Affiliates of Morgan Stanley Smith Barney and/or Citibank may earn fees in connection with the funding, origination and sale of a loan.

All home loans and lines are made by Citibank, N.A. or CitiMortgage, Inc., equal housing lenders, and are subject to Citibank's and CitiMortgage's mortgage qualifications. CitiMortgage does business as Citicorp Mortgage in NM. Citigroup Global Markets Inc., Citibank, N.A., and CitiMortgage, Inc., are subsidiaries of Citigroup Inc.

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Morgan Stanley Smith Barney LLC, its affiliates, and its employees are not in the business of providing tax or legal advice. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the "promotion or marketing" of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

For more information, please contact your Financial Advisor.

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