Tax Strategies

We understand it's not how much you make -- it's what you get to keep. With that in mind, we focus a tremendous amount of energy in understanding that every financial decision we make on your behalf has a tax impact. Of course, the goal is always to pay no taxes. In reality, we work to make sure our clients pay the least amount of taxes legally possible.

Debt Strategies

The goal for debt strategies is to identify your current debt, make sure you’re paying the least amount of interest, and make sure it is tax qualified, while balancing it with flexibility. It would be nice if there were some simple way of knowing when to refinance and knowing exactly what the rate should be, whether or not to pay points, ARM or Fixed, 15 or 30 year loan. The reality is that selecting the appropriate debt strategy requires careful consideration of both the client’s particular situation and the current rates at that particular point in time. Only then can we determine what is best and most appropriate for a client.

Unfortunately, we do not live in a static world. Each time we address these decisions, we have to review the current situation and explore all options. Below are some websites that can help you in the mortgage area. Bankrate.com is my favorite site. E-Loans allows you to get your credit score – be careful to get just the free one. From this, you can learn your credit score and ways to improve it -- thereby lowering your interest rates. We do not have a link to a particular mortgage broker, because determining which mortgage broker can help you the most depends on what kind of help you need and your current mortgage situation. We do have a couple of brokers that we’ve referred clients to in the past, depending on the particular situation, and they have had very positive experiences

Useful Links:

• BankRate.com
• E-Loan
• MSN Money - Mortgage and Refinance