Welcome, Financial Planners!

It is well known that people who use a financial advisor on average retire with a larger nest egg than those that don't use an advisor.  It is also accepted by most financial planners that owning a home should be one part of the over all financial retirement plan; not be an obstacle to planning for retirement or working with a financial advisor.

Owning a home and making mortgage payments, should not present "I can't afford it" motto.   Financial planners promote the "affordability principle".  This principle should no longer be an acceptable excuse for delaying estate planning and beginning the process of investing for one's retirement.  Tough times abound and can "pop" up at anytime in the form of layoffs, death and other unforeseen incidents.

As a financial planning professional, you may want to introduce a mortgage professional to explore ways to increase monthly cash flow to keep the clients complete financial strategy intact.  This could include a rate and term refinance, debt consolidation loan or a total restructure of the clients debts with an equity repositioning loan.  Any of the aforementioned programs might increase monthly cash-flow and possibly increasing tax deductions, thereby reducing tax liabilities. Thus, allowing, you, the financial planner to be able to preserve the retirement assets of the client.

A short example of what I mean.

At the time of this writing I am listening to CNBC in the back ground and a caller just called in with a question.  "I just got laid off and I expect to find new employment within a few months.  I'm thinking of pulling cash out of one of my retirement accounts, which should I pull it from, my regular IRA or my Roth IRA?"  Bill Griffith and some "expert" immediately answered "Roth IRA."  I thought a more appropriate response would have been to ask the caller if they owned any Real Estate? If so, how much is owed and the approximate value? Enabling the caller to possibly access cash WITHOUT CREATING A TAXABLE EVENT?  

Why not keep the callers cash in his account and hope for a fast employment rebound?

For a list of case studies on how we assisted our clients, Click here

A great feature of our service, which we use and our clients and financial planning partners love, is the Debt Equity Repositioning report. It enables us to show someone the tremendous advantages of taking the money they would have used to pay down their mortgage and investing it with a financial planner.  The buildup of equity over 30 years at a 12% return (average large cap rate of return for past 50 years) compared to the early pay-down of a 7% or 8% mortgage will be substantial. 

We can show your client, in a very simple format, how we can take their  existing equity and eliminate debt or provide lump sum cash to invest. You can then show your clients that by restructuring their equity out of their homes to pay off debt, they now have the extra money to invest with you (don't forget the power of a third party recommendation; you are not telling them that this is good strategy, we are).  To see an actual Equity Repositioning report, Click Here (requires Adobe Reader). 

We are developing long term relationships with financial planning professionals, who have realized the true value of this service to their clients & themselves, and have referred their clients to us.  In return, we now ask our clients at closing if they are currently working with a financial planning professional; if they are not, and can use these services, we will refer them to our financial planning preferred partners,  thereby returning the referral favor.

(Click here to see the special form we created for this purpose; it accompanies each and every loan application we take; requires Adobe Reader). 

In addition, we help develop referral opportunities for our financial planning preferred partners through our Client Retention Contact Program.  To see how our program can help grow your business & increase your monthly income, Click Here.

It's a win/win/win for all three of us.  You are creating business for us, we are creating business for you and the client is building greater financial equity for retirement.  

We only team up with proven professionals with the highest ethical standards who have demonstrated a desire to work in their clients best interest.  If you feel you meet these standards, feel free to contact us to arrange for an interview.  Click Here for phone & e-mail information, or...