If you have a large taxable portfolio and you’re still borrowing from banks (mortgages, HELOCs, SBLOCs, private bank lines), you’re probably overpaying.

There’s a niche tool almost no one outside of options geeks talks about:

Box spread loans – a way to borrow through the options market, secured by your portfolio.

In my new video, I break down:

• What a box spread loan actually is (in plain English)

• When it can make sense vs. SBLOCs, mortgages, or selling stock

• How the rate is set and why it can be so competitive

• Where it fits in a tax‑aware plan (funding real estate, paying off higher‑rate debt, funding lifestyle without triggering gains)

• The real risks and constraints (this is not for everyone)

For the right $5M+ investor, box spreads can be a way to:

• Keep your investments compounding
• Access liquidity at attractive rates
• Potentially improve your overall tax picture when paired with other strategies

If you want the deep dive, today’s YouTube video walks through the mechanics, examples, and how I actually use this with clients.

And if you’re sitting on a big brokerage account and expensive debt, and want to see whether a structure like this fits into a broader plan, that’s exactly the kind of work I do 1:1.