Check our BLOG for more answers. What is a leverage planner? A leverage planner is a financial planner who specializes in the nuances of debt management, defensive leverage (such as insurance strategies,) and leveraged effects on growth assets. Many “old school” financial planners have a very shallow (if any) understanding of the effects of specific [...]

Rates have remained in the single digits for all except 8 of the last 210 years From A Call to ARMs by Barry Habib “They say a picture is worth a thousand words. The chart here may be worth thousands of dollars. Over the past 200-years, interest rates on the US 10-year Treasury Note have, [...]

Lifestyle Money Expandable or shrinkable Maslow’s Hierarchy Housing Clothing Social Support Rejuvenation & Recreation Safety Reserves No less than 6-12 times your Lifestyle Costs Credit Reserves Insurance Coverage Friends & Family Community God/Universe Family Bank Qualified Plans IRAs, 401ks, etc. Non-Qualified Growth Investments Primary & 2nd home Mortgage Section 72(e) and 7702 GuaranteedSavings Contracts Real [...]

Home Financing: Should I refinance my home mortgage? What would my payments be for a fixed rate loan? What would my payments be for an adjustable rate loan? What would my payments be for a balloon loan? Should I rent my home or buy? Which loan is better, Fixed or Adjustable? What would I save [...]