Financial Intermediaries

FICA® | For Advisors

Designed specifically with the advisor in mind, FICA® | For Advisors (“FICA®”) is a direct cash vehicle that leaves untouched the advisor’s ability to transact daily trades through their existing cash sweep platform. While sweeps are designed primarily for transaction convenience with yield as a secondary tenet, FICA® looks beyond the sweep and strives to appeal to advisors’ fiduciary responsibilities of seeking to safely maximize yields for their clients’ idle cash balances without assuming the risks of uninsured investments, like money funds.

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InterLINKTM Insured Deposits

InterLINKTM Insured Deposits, is a federally insured cash sweep program that can seamlessly integrate within your clients’ brokerage accounts and provide them with daily liquidity, millions of dollars in insurance coverage, and a competitive rate of return on their cash. Cash within InterLINKTM Insured Deposits—including deposits, dividends, and settlement proceeds—is backed by the full faith and credit of the U.S. Government, which inherently decreases enterprise risk, and eliminates market risk on your clients’ idle balances.

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Benefits For You

  • Risk Management

    Insured accounts can reduce enterprise level risk, eliminate clients’ market risk on cash balances, and enable your representatives to focus more on growing and protecting client wealth.

  • High Levels of FDIC Insurance

    StoneCastle has active relationships with more than 700 qualified banks resulting in the industry’s highest level of FDIC insurance availability, supporting the needs of large clients while reducing reliance on money funds.

  • Favorable Economics

    Program efficiencies enable StoneCastle to pass value to financial intermediary clients with attractive pricing options that can be immediately accretive to revenue regardless of InterLINKTM Insured Deposits becoming, replacing, or diversifying your existing sweep program.

Benefits For Your Clients

  • Safety

    Client cash balances, up to the program maximum, are insured and backed by the full faith and credit of the U.S. Government, providing absolute safety compared to uninsured money market mutual funds.

  • Liquidity

    Cash balances are fully accessible on a daily basis for trading opportunities, withdrawals, or transfers with no restrictions or limitations.

  • Yield

    Insured deposits decrease overall portfolio risk while generating a highly competitive yield compared to money funds and other insured sweep programs.