Turning Informal Family Money Into an Advice Opportunity

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The money is already moving. The opportunity is to bring it into the advice relationship.

Every advisor has clients quietly funding their kids and siblings. That money moves off the balance sheet, off the plan, and off the radar. Each of those transfers is a missed opportunity to add value - and often, assets leaving the relationship.

Bringing family lending into the practice reframes it: what was a leak becomes a service line. The advisor structures the loan, documents it, and folds it into the plan - deepening the relationship while keeping capital and AUM inside the household.