Advisors can now manage client borrowing and investment strategy in a single account, with the loan operating as a sleeve within the UMA.

Seeds—the integrated investing, trading, and client engagement system for independent registered investment advisors—today announced its partnership with SyntheticFi— a fintech platform providing low-cost, securities-backed financing and liability planning strategies for financial advisors. The partnership is the first of its kind to bring box spread financing inside a Unified Managed Account (UMA), giving advisors access to a borrowing strategy once reserved for hedge funds and family offices in the same account where they already manage client portfolios.

Pioneered by SyntheticFi, box spread financing lets clients borrow against their portfolios at rates set by the options market rather than a bank. Until now, these loans required a separate account, forcing advisors to manage borrowing and investing in two disconnected systems.

The box spread loan operates as a sleeve within the client's Seeds UMA, powered by SyntheticFi's lending strategy. Because borrowing capacity is calculated within a single account, clients can potentially borrow more against the same assets to enhance liquidity or support advanced strategies within the same UMA. Since loan details are available in-account, this also gives advisors a more holistic view of the client's portfolio.

“Borrowing is one of the biggest financial decisions a client can make, and until now it happened entirely outside the advisor's system," said Zach Conway, Founder and CEO of Seeds. "We're building Seeds so that when a client comes to their advisor with a big life decision, the advisor can meet that moment where they already manage the portfolio. That keeps advisors at the center of the decisions that matter most in their clients' lives."

When clients need cash for a real estate purchase, a bridge loan, or spending without selling appreciated investments, they have traditionally turned to financial institutions, taking the borrowing conversation (and sometimes the assets) outside the advisor's view. Advisors who can meet those needs directly deepen relationships and, in some cases, attract assets specifically because of it. Box spread financing inside the UMA gives advisors a way to do that with the portfolios they already manage.

"Box spreads have given hedge funds and family offices access to low-cost borrowing for decades, but the account structure kept the strategy out of reach for most advisors and their clients," said Tony Yang, Co-Founder and CEO of SyntheticFi. "Integrating with Seeds removes that barrier. The loan lives where the advisor already manages the portfolio, which makes this a strategy an independent RIA can offer clients at scale."

The two platforms already share clients. Guillaume Decalf, founder of the We Financial Group, uses Seeds to power his investment operations and SyntheticFi to help clients, including technology professionals with concentrated stock positions and cross-border investors, access liquidity for real estate purchases without selling appreciated investments. In one case, a client moved an additional $2 million to the firm specifically to access the lending strategy.

“For advisors, the value of this integration goes beyond giving clients access to another source of financing,” shares Decalf. “Managing the investment portfolio and the box spread strategy in one place removes a significant amount of coordination, reduces operational complexity and the risk of errors, and makes the strategy much easier to implement at scale. It also gives us another meaningful way to solve client liquidity needs without forcing them to sell appreciated investments, which has helped us both attract and retain assets.”

Advisors can learn more about the partnership and schedule a conversation with the Seeds team at www.useseeds.com, or SyntheticFi at www.syntheticfi.com.

About Seeds

Seeds is an integrated investing, trading, and client engagement system for independent RIAs. Combining trading execution, UMA portfolio management, direct indexing, and proposal-to-portfolio automation in one place, Seeds enables advisors to deliver deeply personalized investment experiences without the operational overhead traditionally associated with customization. To learn more, visit www.useseeds.com or read disclosures.

About SyntheticFi

SyntheticFi is a financial technology company that helps financial advisors and their clients access sophisticated liquidity and risk-management strategies for concentrated stock and complex portfolios. Its platform and execution infrastructure make institutional strategies, including box spreads and synthetic variable prepaid forwards, easier to evaluate, implement, and manage. SyntheticFi works with advisors to help clients unlock liquidity, improve tax efficiency, and make more informed decisions without unnecessarily disrupting long-term investment plans. To learn more, visit www.syntheticfi.com.

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Managing the investment portfolio and the box spread strategy in one place removes a significant amount of coordination, reduces operational complexity and the risk of errors, and makes the strategy much easier to implement at scale.