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Robert A. Imparato, Jr CFP®
CERTIFIED FINANCIAL PLANNER™ professional
Craig A. Hyldahl CFP®
CERTIFIED FINANCIAL PLANNER™ professional
R.I.C.H. Planning Group, LLC
105 Fieldcrest Avenue, Suite #507
Edison, NJ 08837
Robert: 732-326-5240
Craig: 732-326-5241
Fax: 732-326-5331
Robert: robert@richplanninggroup.com
Craig: craig@richplanninggroup.com
Website: www.richplanninggroup.com
September/October 2026
Solving a Liquidity Crunch
An unexpected opportunity, sudden expense, or market downturn may cause a liquidity crunch. Regardless of the cause, there are smart strategies you and your professional can use to stay flexible without sacrificing long-term investments.
Review Your Asset Allocation*
Your portfolio should include both growth investments and liquidity assets. If you're heavily invested in illiquid assets like real estate or private equity, reallocate some of those holdings to more liquid assets, such as stocks or bonds. This keeps cash available without disrupting your long-term plan.Lines of Credit as a Safety Net
You may have access to credit opportunities against your securities, real estate, or other investments. This access can provide you with immediate cash without selling any parts of your portfolio at potentially unfavorable prices. Just remember, while borrowing can help in the short term, it's important to understand the terms and interest rates and plan for repayment.Sell Non-Essential Assets
Sometimes, a direct approach is best. If you need cash, consider selling non-essential assets—anything from a second home to collectible items—that are not central to your financial goals. This not only frees up cash but also streamlines your portfolio by reducing management complexity and maintenance costs. Remember, what's non-essential to you may be valuable to someone else.Exploring Alternative Financing
For those seeking more creative solutions, alternative financing options have blossomed. Whether it's peer-to-peer lending, crowdfunding, or even crypto-backed loans, there are many ways to create liquidity. It's worth sitting down with your financial professional to explore these options together. Some avenues can be faster and more flexible, allowing you to respond quickly to needs or opportunities.Contextualizing Your Decisions
Managing a liquidity crunch means balancing immediate needs with long-term goals. Create a strategy that reflects both your current and future plans. Work with your advisor to identify liquidity needs, set timelines, and find the best action plan for your situation.When it comes to your wealth, being proactive is the name of the game. By anticipating potential liquidity issues and having strategies ready, you can confront any challenges head-on.
*Asset allocation won't guarantee a profit or ensure against a loss but may help reduce volatility in your portfolio.
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services.
R.I.C.H. Planning Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. GE-8877021.1(4/26(Exp.4/30)
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These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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