Access to cash is one of the biggest constraints in financial decision-making—but selling investments isn’t always the smartest move. In this episode of Financial Fortitude, Michael and Brady move past theory and into real-world application, breaking down how high earners, business owners, and retirees use Securities-Backed Lines of Credit (SBLOCs) to create liquidity, preserve portfolios, and avoid unnecessary taxes. Through real case studies, they show when this strategy works, when it doesn’t, and how disciplined planning makes all the difference. 

You’ll learn:
     ● How borrowing against investments works in real life, not just in theory.
     ● When SBLOCs can help you avoid selling assets and triggering capital gains.
     ● How interest rate arbitrage can work in your favor, and when it doesn’t.
     ● Real case studies involving home purchases, business buy-ins, and retirees.
     ● Why flexibility and optionality matter more than short-term market timing.
     ● The risks of margin calls and sequence-of-returns, and how to manage them.
     ● How dividends, cash flow, and planning discipline support smarter borrowing.
     ● When SBLOCs fit into a broader financial strategy, and when they shouldn’t.

Whether you’re a high earner building wealth, a business owner seeking opportunity, or a retiree protecting income and lifestyle, this episode helps you understand how to use liquidity strategically—without sacrificing long-term stability.

Key Timestamps:

(00:00) - Borrowing without selling investments
(06:00) - Liquidity versus asset liquidation
(09:00) - Home purchase SBLOC strategy
(15:00) - Business equity buy-in funding
(18:00) - Interest arbitrage explained clearly
(21:00) - Accumulation versus retirement use
(27:00) - Sequence of returns risk
(30:00) - Market volatility SBLOC planning
(36:00) - When SBLOCs make sense

Key Topics Discussed:

Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, Financial Wellness, Wealth Building, Financial Psychology, Financial Advisor, Finance Coach, Financial Guidance for High Earners, Smart Money Moves for High-Income Professionals, Wealth Management Tips for High-Income Earners, High Earner Money Talk, Financial Wisdom for 6-Figure+ Entrepreneurs, Smart Strategies for Managing High Income, Tax strategies & Freedom for High-Earning Professionals, The Dave Ramsey Show, BiggerPockets Podcast, The Motley Fool Money Show, We Study Billionaires, ChooseFI, Afford Anything,Securities-backed line of credit, Borrowing without selling investments, Tax-efficient liquidity strategies, SBLOC real-world case studies, Portfolio-based lending strategies

Mentions: 

Website: https://www.genesiswealthplanning.com/
Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/
Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/
Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelraco

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.  Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Genesis Wealth Planning and opinions stated are their own.  Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. 

Guest speakers and the firms are not affiliated with or endorsed by Securities Guardian or Genesis. Wealth Planning, LC and opinion stated are their own. Guardian subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

All investments in investment strategies contain risk and may lose value. All scenarios. Names mentioned here are purely fictional and have been created solely for educational purposes. Any resemblance to existing situations, person or fictional characters is coincidental. The information presented should not be used as the basis for any specific investment advice.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

Michael Acosta and Brady Hemmerle are Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Genesis Wealth Planning is not an affiliate or subsidiary of PAS or Guardian. Michael Acosta'sCA Insurance License # 0M50974. Brady Hemmerle’s CA Insurance License # 4353077.  7237198.29 Exp 2/28