High Trust Financial Planner Interview

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Information about High Trust Financial Planner Interview

Published on March 11, 2014

Author: RobertRatimorszky

Source: slideshare.net


Sales and Marketing, High Trust Interview used for soliciting mortgage client referrals from Financial Planners.

High Trust Presented by Robert Ratimorszky Sales & Marketing

Objectives More loans Forecast rate and understand markets Close more sales calls More money in less time Insure business into future

The Enemy Internet and The UnaccountableInternet and The Unaccountable Order TakersOrder Takers LiarsLiars

Current Market •Mortgage Bonds •Nasdaq Effect •The Fed •Freddie Mac Rate

Stocks, Bonds, and Cash Stocks Bonds Cash LiquidityMedia Fund Managers

Price Vs Yield $1,000 Bond @ 8.00% Note Rate $80 Annual Return If Sold for $800 Then YTM = 10% If Sold for $1600 Then YTM = 5% SupplySupply andand DemandDemand

The No Cost Loan •$200,000 @ 7% = $1,330 •7.375% = $1,381 •Payment difference = $51 •Closing costs = $2,300 (non-ded) •$2,300 /51 = 45 mos. Real Calculation should be: $197,700 @ 7.375% = $1,365 Payment difference = $35 Net of tax deduction = $23 True Breakeven @ 100 months. Use Amortization Table

Trusted Advisor Vs Salesperson •Money Business •Market Knowledge and Expertise

Refi With Purpose •Rule of 72 •S&P 500 historical performance •Save $200 per month or $30,000 •Loan of $275,000 or $225,000 •Tax Free Municipal Bond Funds

Financial Planners •Exchange clients •Learn from each other •Mutual benefit •Win Win Win

Understanding the Business of Money Gain financial knowledge Increase Respect Increase Trust Subscribe and Read Money Magazine Kiplinger Magazine Kiplinger Washington Newsletter and Tax Letter Mortgage Market Guide MPN 619-522-9800

A Mortgage is an integral part of your portfolio Tax Planning Retirement College Preparation Investing

Know Your Taxes Do your own 1040 Market with Year end Tax Tips •Pay January in December •Avoid Tax distributions •IRA to Roth Section 179 Tax Free Municipal Bonds Always Use After Tax Dollars

IRA and 401k The Penny Story

Bi-Weekly’s Benefits Children’s College Education Retirement PMI ARM Protection Additional Income and Sales

Assistants •Applications by phoneApplications by phone •Fee CollectionsFee Collections •After Market SalesAfter Market Sales •Follow UpFollow Up •Phone ManagementPhone Management •IncomingIncoming •OutgoingOutgoing •ConferenceConference

“Everything that can be invented, has been invented” Charles H. Deuell, Head of the US Patent Office While testifying before congress in 1898 Opportunity

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