SBLOC Simulator — Securities-Backed Line of Credit

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Assumptions

Starting Portfolio

Annual Return

SBLOC Rate

Annual Spend

AUM Fee

AUM Fee Source

Annual Inflation

Phase 2 Start Year

Target LTV

Simulation Years

Filing Status

Married Single

$30,000,000 exemption · 2.50% inflation adj.

Phase 2 Strategy

Cover spend + interest only Borrow only what's needed for annual spending and interest Step up to target LTV Borrow the maximum amount to reach target LTV each year

Market Events

Quick add:

Year

Return Rate

Description

No market events added.

Life Events

What do you want to buy?

In what year?

How much is it?

Annual cost added?

No life events added.

Configure assumptions above and click Run Simulation to see results.

Portfolio Yr 30

Loan Balance

Net Wealth

Heirs Receive

Avg Annual Spending

Total AUM Fees

If you earned /year, it would take

Portfolio vs Loan Balance

LTV Over Time

Estate Waterfall

Year-by-Year Detail

Year	Portfolio	Spend	New Borrow	Phase	Loan Balance	Interest	AUM Fee	LTV	Net Wealth

Sensitivity Analysis — Varying Annual Return

Click Run Analysis to compare outcomes across return rates.

Return	Portfolio Yr 30	Loan Yr 30	Net Wealth	Heirs Receive	Eff. Tax Rate

Scenario Comparison

A: Hold 100% concentrated stock | B: Sell 50%, reinvest in S&P 500

Concentrated Stock Return

S&P 500 Return

Capital Gains Tax Rate

Cost Basis (% of value)

Scenario B Details

Side-by-Side Comparison

Metric	Scenario A	Scenario B	Difference