Janis and Jon retired happily and wanted to remodel the home they loved to make it a place they could enjoy for many years to come. At the recommendation of their Financial Advisor, they opened an Inclined Line of Credit (iLOC) to fund a kitchen renovation and found the account to be wonderfully simple and easy to use. They enjoy having access to their cash overnight1, and appreciate that they get a competitive rate while also earning their full dividend each year. The iLOC gave them the flexibility and freedom to transform their kitchen — and now the master bathroom — into beautifully renovated spaces they enjoy every day.