The Borrow Smart Conversation

As a liability advisor, you want to learn more about the depth of financial plumbing, locally, nationally and globabally. This EY Global Wealth Management Industry Report is a comprehensive analysis of the wealth management industry, focusing on the challenges firms face and the strategies they can implement to achieve long-term success. The report explores the evolving landscape of the industry,...

This excerpt from  The Secret Guide To Understanding Credit  by Todd Ballenger outlines the intricacies of the credit reporting industry and the significance of credit scores in real estate and lending. It explains how credit history is compiled and interpreted by lenders, emphasizing the role of  credit bureaus  and  credit rating providers  such as Experian, Equifax, and Transunion. The document...

This report, "How Financial Planners Actually Market Their Services," is a comprehensive marketing study conducted by Kitces Research that examines how financial planners market their services and what tactics are most effective. The report analyzes data from nearly 1,000 advisory practices, including their expenditures, acquisition costs, and the success rates of various marketing strategies. It...

This report from Apollo Global Management analyzes the current state and future outlook of the U.S. housing market. It highlights factors like low housing supply, high mortgage rates, and rising unemployment that are impacting housing demand. The report also examines housing supply, including new home construction and existing home inventory. Additionally, it explores house price trends and discus...

What IS Enough ? is a coaching session guide for an educational course focused on personal financial management. It explains the concept of “enough” in personal finance and how to achieve financial independence through mindful spending and awareness of life energy. The workbook uses examples, exercises, and questions to guide participants in their journey to financial well-being. It is based on th...

This excerpt from the book "Borrow Smart: A 7-Step Process For Managing The Wealth In Your House" by Todd K. Ballenger emphasizes the importance of understanding and managing borrowing strategies related to homeownership. The book aims to guide readers on how to maximize the financial benefits of home equity while avoiding common pitfalls that can diminish wealth. Ballenger asserts that managing l...

This text presents a debate between two financial advisors, Ric Edelman and Todd Ballenger, regarding the benefits of carrying a large, long-term mortgage. Ballenger argues that Edelman’s 11 reasons for doing so are outdated and misleading, particularly regarding tax deductions, equity growth, and the value of early investment. Ballenger advocates for a more nuanced approach to financial managemen...

In this small coaching session we talk about working with advisors, listen in and see if you can pick up on key phrases to use, and strategies.

I took several of my favorite investing books and mashed them together with prompts to extract the key guidance that are consistent across all 4 books. The first source, "Your 5-minute guide to hedging," discusses hedging as a strategy for minimizing risk in volatile markets. The author, Keith Fitz-Gerald, argues that traditional hedging strategies like diversification and fixed income are no long...

This guide from J.P. Morgan Asset Management provides insights into the various aspects of planning for retirement in the United States. It covers essential topics like life expectancy, Social Security benefits, savings strategies, and retirement spending. The guide also touches on key factors like inflation, health care costs, and the SECURE 2.0 Act, offering valuable information for individuals...

In a world filled with uncertainties, protecting your business and personal assets is paramount. Welcome to "Why Work with a Certified Liability Advisor?", the podcast that uncovers the critical role these experts play in safeguarding your financial future. Join us as we delve into the complex world of liability, explore strategies for risk mitigation, and discover how a Certified Liabil...

Working with a Certified Liability Advisor for your mortgage and lending needs is a completely different experience. Listen to this short podcast interview and if you'd like to learn more visit us at niofe.org.

Continuum - Time Scarcity by Todd Ballenger

CLA Mastermind - Leverage by Todd Ballenger

FAST working with advisors, how to do Milk Runs and leave behinds for financial advisors. Rolled out the FAST 2nd Look Strategy in FAST Strategies.

4-24 Small Hive - Pain Mining and CALM by Todd Ballenger

CLA Mastermind - Inflation by Todd Ballenger

4-5-2024 CLA Mastermind by Todd Ballenger

The 3-Sided Balance Sheet, how to position more like a financial advisor to develop consumer business and advisor referrals.

HIVE Mastermind FAST 2-23-24 by Todd Ballenger

Listen in as Todd, John and Mike Slaughter - A financial advisor with his CLA talk to a group of financial advisors nationally about liability management.

CLA Small Mastermind Group Discussion

Why Use a CLA - John Thompson by Todd Ballenger

Discussion about Return as a component of the Borrow Smart Conversation.

Mastermind Call IKIGAI and Missing Money by Todd Ballenger