One of the most attractive aspects of an association with NGFS is the unique sales tracks and strategies developed by NGFS. Because of our unique focus on Cash Flow Strategies and the multiple professional perspectives of our management team, NGFS sales strategies deal with the big picture and feature the mortgage as but one of the tools to be considered. Often the completion of the strategy necessitates the use of other financial products as well. Below is a sampling of some of the strategies developed by NGFS to help our loan officers improve their position in the market-place through enhanced abilities to service the financial objectives of their clients…no matter their age or financial position.
Asset Shifting for Long Term Care
Illustrates how a senior can obtain the benefits of Long Term Care Insurance without touching one penny of their savings, investments or income by shifting some of their dormant home equity (without a monthly mortgage payment obligation) that is guaranteed to be fully recoverable either in cash or in the form of an insured death benefit. Early Inheritance College Tuition Strategy
Illustrates the benefits of incorporating a Reverse Mortgage, showing a senior how they can shift some of their dormant home equity (without a monthly mortgage payment obligation) into a 529 plan to pay for their grandchildren’s college education, with the security of being able to pull the shifted equity back for their own security if they need it. Retirement Rescue Strategy
The strategy is designed to respond to the needs of those who either lost some of their retirement savings in the recent market, or simply failed to sufficiently fund their retirement needs soon enough by illustrating how they can increase their pre-retirement savings each month and then eliminate one of their major retirement expenses so as to maximize their security and lifestyle in retirement. Good Debt – Bad Debt
Educates your prospects on what is good and bad debt and the substantial repayment cost differences between the two, then illustrates how they can convert their bad debt to good debt and use the saved cash flow to improve their immediate and long-term finances. Equity-Debt Transfer Strategy
Blends the strategies of Asset Shifting and "Good Debt- Bad Debt" into a single summary that illustrates the potential cash flow benefits that can be achieved and how that improved cash flow can be used to purchase one or more of the traditional savings and/or investment vehicles available to them. Home Buying Event
Teaches your clients the proper way to view and finance a new home purchase so as to maximize their purchasing power and minimize their ongoing expense related to the purchase while ultimately enabling them to pay off their mortgage years ahead of time if they so desire…without making one additional dollars payment on their mortgage.