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Mortgage and Debt Management

Stop the financial leaks in your plan

Once we assess your current debt and how your assets are invested, we can help you create a realistic plan to tackle both. There are many strategies available to improve your financial situation. For example, with interest rates at all-time lows, many homeowners refinance and pull equity from their homes to pay off high-interest debt. As long as you’re under the limit, mortgage interest on your primary residence may also be tax-deductible.

Others transfer credit card balances to take advantage of promotional low rates while working to pay them down. Some even consider interest-only loans. While these aren’t ideal for those planning to stay in their homes long term, they can offer lower monthly payments for buyers who plan to sell or refinance in the future.

Additionally, if your home appreciates in value, you still benefit from the gains—regardless of how much principal you’ve paid down.

This is an area where I see a lot of people making a lot of mistakes. It doesn’t make sense to pay more than you have to, but many people do just that. Some people have student loans and credit cards that are costing them 15% a year but have savings earnings 2%. This makes absolutely no sense. Having someone examine all of your debts and and all of your assets to make certain you’re making the best decisions is very important and could saving you untold amounts of money.

1%

Of Every Tax Dollar

In 2017, 91% of every tax dollar went to pay for Medicare, Medicaid, Social Security and Interest on the National debt.

1%

Lost Half of Their Portfolios

80% of Americans lost half of their portfolios during the 2008 Market Crash

1%

Will Need Long Term Care

There is a 1 in 3 chance that you will need some kind of Long-Term Care after the age of 65

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