Optimize Your Business’s Idle Cash
Put your company’s reserves to work without losing liquidity
Many business owners keep significant cash in checking or low-yield accounts, often earning just 1% or less. At Synergy Wealth Management, we help Houston businesses implement cash management strategies that target higher yields while keeping funds accessible. Our goal is simple: make sure your money works as hard as you do.
Challenges of Corporate Cash
Balancing Safety, Liquidity, and Returns
Businesses hold cash for many reasons—operating expenses, payroll, emergency funds, or upcoming purchases. The challenge is that while cash must remain safe and available, leaving it idle in a bank account means lost growth opportunities. We help businesses strike the right balance between security and performance.
Our Cash Management Solutions
Strategies That Keep Your Cash Accessible While Earning More
Synergy evaluates your business’s cash flow and recommends tailored options to maximize returns without increasing risk.
- High-Yield Business Savings & Money Markets – FDIC-insured accounts with competitive interest rates.
- Short-Term Bond Ladders & CDs – Structured maturities to provide steady liquidity and higher returns.
- Treasury Bills & Money Market Funds – Safe, short-term options designed to boost yield while protecting capital.
- Sweep Accounts – Automated transfers that move excess balances into higher-earning vehicles.
Tailored to Your Cash Flow Needs
Custom Solutions Built Around Your Business
Every business is unique, which is why our advisors analyze how much cash you need for operations versus what can be safely invested. We design a plan that ensures liquidity for immediate needs while capturing better returns on reserves. This approach allows your cash to stay flexible while providing meaningful additional income for your company.
Cash Management for Different Entities
Solutions for Businesses, Firms, and Nonprofits
Whether you run a small business, medical practice, law firm, or nonprofit, idle cash can and should work harder. Our advisors help a wide range of organizations design efficient cash management strategies tailored to their sector’s needs. With solutions focused on both safety and yield, your organization can achieve more without adding unnecessary risk.
Integrating with Your Overall Plan
Connecting Business and Personal Wealth
Smart corporate cash management doesn’t just strengthen your business—it also supports your personal financial goals. By improving cash yields, you generate additional resources that can be directed toward retirement planning, investments, or estate strategies. Synergy’s holistic approach ensures your business and personal finances are aligned.
Safe, Flexible, and Efficient
A Fiduciary Approach to Managing Business Reserves
Protecting principal is always the priority. We recommend low-risk, highly liquid options that keep your cash available when needed while earning competitive returns. Our advisors continuously monitor markets and interest rates, adjusting strategies to keep your company’s cash plan optimized over time.
