How Rich Retirees Use Debt to Save on Taxes and Protect Their Investments

Borrowing in retirement might seem surprising, but for high-net-worth retirees, strategic debt can be a powerful financial planning tool. Instead of triggering large capital gains taxes by selling investments, many wealthy retirees use low-cost borrowing to access liquidity while keeping their portfolios fully invested. In this article, Greenbush Financial Group explains how securities-backed lines of credit, HELOCs, margin loans, and other strategies can help retirees manage taxes, preserve growth, and maintain financial flexibility.