Mortgage and Debt Management

Stop the financial leaks in your plan

Once we assess the debt you have and how your assets are invested we can help you create a plan to tackle this. There are many things one can do to rectify this situation. Interest rates are at all time lows. Many people own a home they can refi and pull money out at all time low rates to pay off higher interest rate debt. Also as long as your under the limit the debt on your primary home is deductible. Others move balances from card to card taking advantage of their low rates as they work on paying them off. Many other people get really clever when it comes to loans by choosing and Interest only loan. These loans are not good for those who intend to stay in their homes forever and want to pay them off but it’s a great way to buy a home and pay a lot less monthly. What’s also interesting is that if the home goes up in value you get all the gains just by owning the home, paying it down doesn’t change the appreciation on your investment.

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.


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.


Lost Half of Their Portfolios

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


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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