Our Mortgage Planning Approach is founded upon the concept that a sound financial plan that coordinates all financial instruments and optimizes cash flow allocation, will turbo-charge the likelihood of wealth accumulation.
All financial instruments, when boiled down to their core functions, serve one of two purposes: Protect and preserve wealth or build more wealth over time.
Ponder that for a moment. Think about all of the financial instruments people have. Why do we have them?
People obtain life insurance, auto insurance, and homeowner’s insurance; they have Wills, Trusts, and legal agreements, all to protect and preserve their wealth and prevent losses. People work with CPA’s out of a desire to protect their wealth from tax liability and shield their income from undue income tax burdens.
People deposit money in the bank or invest in the markets. They participate in their employer’s retirement plans. They invest in companies and purchase real estate, all so they can build wealth over time.
Is a mortgage any different? A mortgage is also a financial instrument! A mortgage provides leverage allowing you to purchase a home at today’s value and build equity over the years, rather than waiting until you can buy the home all-cash.
Does your mortgage help you build wealth? Or is it simply a liability, a payment to be made every month? If you’re like many people, a salesperson at ‘Your Bank’ sold you a mortgage. If so, your mortgage is probably just a payment that drains your checking account every month. Your mortgage could be holding you back from building wealth!
How could a mortgage help you protect and build more wealth?
Over time, people tend to collect financial instruments and keep them in separate “bubbles.” While each of these instruments serve a purpose, they are NOT working together! It’s like driving your financial plan with the emergency brake on. However, most Financial Advisors preach the importance of “Holistic Financial Planning,” ensuring all of your financial instruments are coordinated, working together to help you achieve your financial goals.
Founded in these concepts, Mortgage Wealth Advisors developed and utilizes our unique and strategic Mortgage Planning Process. We begin with a holistic analysis of your entire financial life, learning about your short & long-term goals, financial plans, risk tolerance, and your current perceptions about money and finance. We review your budget and cash flow, your current financial plan and financial instruments you already own. And if you’re already working with professionals such as a Financial Advisor or CPA, we encourage them to participate in these conversations! Then, we make recommendations on how your mortgage should be devised and structured in order to ensure you receive the right mortgage that’s appropriate for you!
Our Mortgage Planning Process will ensure your mortgage matches your needs. We will ensure your payments fit your budget and lifestyle so you have the cash flow to live life today while still saving for tomorrow. We will ensure your mortgage coordinates with your other financial instruments in a plan that maximizes growth of assets, conserves home equity, maximizes tax-deductibility, and builds greater wealth. And the best part? Working with a trusted advisor, you receive all these financial benefits with the same rates and closing costs as if you went to ‘Your Bank.’
Call us today at 516-302-1090
to learn how our Mortgage Planning Approach
can help you achieve your financial goals.
Want to see how our Mortgage Planning Process has helped a diversity of our clients? Read some of our case studies.
Warren Goldberg is President of Mortgage Wealth Advisors, a Certified Mortgage Planning Specialist®, and a published author. His interviews include Blog-Talk Radio, Newsday, The Daily News, Anton Press, and the Long Island Herald. Since 1992, he’s been sharing his financial knowledge and wealth-building strategies, including how to properly use your mortgage as a financial tool. His clients regularly express their trust and appreciation by recommending friends and family call when in need of mortgage, real estate, and financial guidance.
