Do you know what separates struggling,
heartbroken and cash poor homeowners ...
... from confident, clued-in homeowners who
aren't worried about their financial future?
(yes, even in this chaotic economy)
- an expensive multi-level marketing
software program - or a Home Equity Line of Credit designed to help you pay off your mortgage early
- Shockingly, it's not even paying extra principal on your mortgage each month
Dear Friend,
The secret to financial freedom is maintaining choice and control over your money.
It sounds simple, doesn't it? You're right ... it is.
I'm going to help you learn how to maintain choice and control over your money, what to do to get ahead financially and equally important, what not to do as you're working to accomplish your financial goals.
How important is choice and control? If you had all the money in the world and no choice and control over it, would you be able to enjoy your wealth? There's no difference between someone who has all the money in the world with no choice and control, and someone who has no money.
By The Way: If you're looking for a get-rich-quick scheme, or a multi-level marketing program you're wasting your time. That's not what I'm about, and that's not what I'm going to teach you about. I am going to teach you how to make the most of your financial resources so you can accomplish your financial goals.
More Importantly: If you're not financially disciplined, please don't read anymore ... you'll be wasting your time. What I'm about to teach you won't work if you have no financial discipline.
You're probably wondering who I am. My name is Ken Stone. I'm a financial, tax, and retirement strategist. I'm also a mortgage lender. I've been in practice for nearly 10 years and I've made it my professional mission to become an expert in financial matters that will make the difference in my clients' lives.
If credentials and certifications matter to you I've got that covered - there are fewer than 200 professionals in the country that share my background on this front. I'm guessing what really matters to you, though, is learning from someone who knows what they're talking about, and who genuinely cares about your success. On that front there are are only a few that can match my heart for helping and my commitment to excellence for my clients. To that end, I've put some of the most powerful information I can teach you on this site - free of charge. All that's required is your time and attention to learn a few things that will change your financial future.
If at any point you have any questions or comments for me please call or email me. My toll free number (800-926-7954) rings through to my personal cell phone, and my email address (info@mortgageacceleratorprograms.com) comes straight to me. Please let me know what your questions are, and how I can help you. I'm looking forward to hearing from you and helping you transform your financial future.
Are you like most of my clients when they first come to me? If so, you're focused on the "three keys" to financial success:
- You want to pay off your mortgage early. Perhaps you've heard about one of the many mortgage accelerator programs or you're currently sending extra principal with your mortgage payment each month. Anything to get your mortgage knocked out as quickly as possible - saving you tens of thousands of dollars of your hard earned money.
- You want to put as much money as you can into your retirement accounts - your 401(k), IRAs, etc. You think the best way to get ahead for retirement is to put more money into your qualified accounts each year. It's money you don't even see each month since it comes off your paycheck before you see it.
- You want to find and work with an effective team of advisors who can turn your hard work and savings into a reasonable retirement.
Whether you've already started in on these three keys to financial success or are just starting to research mortgage acceleration, you're reading this because you're wondering if there's a better way to accomplish your financial goals. You want to avoid any pitfalls that could trip you up along the way, costing you time or money, or quality of life once you're retired. And you don't want to run out of money in retirement.
The First Goal For Getting Ahead Financially: Pay Off Your Mortgage Early.
Sometimes conventional wisdom is wrong.
Let me explain ...
Conventional wisdom says the first thing you should focus on is paying off your mortgage. By doing so, you'll save yourself tens of thousands - perhaps more - in interest payments. As an added bonus, you won't have a mortgage payment in retirement. The faster you pay off your mortgage, the sooner you'll be able to save enough money to pay for retirement.
You should understand that this wisdom isn't bad thinking. It's just not thinking that leads to making the most of your financial resources. It is a fact that all other things being equal, the pay-off-your-mortgage-early approach to retirement planning will absolutely lead to less spendable income in retirement when compared to the approach that I will teach you.
Consider the following four critical financial planning tests that you and your financial advisor apply to every investment:
- Is it Liquid?
- Is it Safe?
- What is the Rate of Return?
- Finally, what are the Tax Consequences?
Let's look at the home equity your home, and run it through these four critical tests. Watch this ten minute preview from my DVD Workshop that addresses these critical questions, and why they are so important to you. Jump start your financial education right now:
How will you change your financial behavior as a result of watching this preview? These powerful insights sure change your thinking about conventional wisdom don't they?
But what about mortgage accelerator programs?
These programs are marketed under a variety of different names - but the bottom line is that they all claim to accomplish the basic concept of paying extra towards the principal on your mortgage. We've already established that paying additional principal on your mortgage flunks the four basic financial planning tests.
What about the claim of choice and control that comes with having a Home Equity Line of Credit (HELOC) against your home equity? You heard in the video clip above that a HELOC creates merely the illusion of choice and control.
What about saving money in interest expense? That's an important goal right? Plus there's the stress of having a mortgage payment hanging over your head. What about dealing with these issues?
In the end, you'll have to decide what's more important to you. Would you rather have greater wealth and a free and clear home more quickly utilizing the strategies I'll teach you? Or the risk of trouble that comes with paying off your mortgage early through traditional mortgage acceleration?
Watch this three minute preview from my DVD Workshop of a real life example of one of my clients who followed conventional wisdom and lost big time: There are a few pieces of background information that are important for you to understand:
- Richard inherited a chunk of money several years prior to the story I'm about to share with you.
- At his direction I refinanced him into a 15-year mortgage at a much smaller amount than his prior mortgage. This was his form of mortgage acceleration. A smaller loan and a shorter term. He wanted to pay off his mortgage early for retirement.
- Richard felt his financial situation would be great as a result of this refinance - he had lots of money "in the bank" in the form of stock options worth a healthy six figures. And his mortgage payment went down even though he cut the term of his loan in half.
Here's the sad and illuminating conclusion to Richard's story ...
How about some third party support for what I will teach you?
"It is actually much more risky from an asset allocation standpoint to have a home paid off and few other assets, than to have a mortgage and a more balanced investment portfolio."
- Why Smart People Do Stupid Things with Money
since 1994 according to Worth - Wealth Author)
"I contend that all four traditional approaches [to paying off a mortgage early] contain major disadvantages most homeowners don't consider. These disadvantages include:
- Losing control of your home equity
- Increasing your risk of foreclosure and, therefore, the risk of losing your equity
- Unnecessarily extending the time required to become debt-free, thereby increasing your costs"
Paying Off Your Mortgage Is A Mistake
The Federal Reserve Bank of Chicago wrote in an August 2006 report:
"Using data from the Survey of Consumer Finances, we show that about 38% of the U.S. households that are accelerating their mortgage payments instead of saving ... are making the wrong choice. In the aggregate, these mis-allocated savings are costing U.S. households as much as 1.5 billion dollars per year."
"Carrying a mortgage doesn't cause you to lose money at all, just the opposite is true. Carrying a mortgage is actually quite profitable. It's eliminating the mortgage that forces you to give up profitable opportunities."
Finally, in September of 2004 the Journal of Financial Planning (the trade magazine for Certified Financial Planners) said:
"The popular press, following conventional wisdom, frequently advises eliminating mortgage debt is a desirable goal. We show this advice is often wrong because mortgage debt acts as an inflation hedge and a hedge against declines in local real estate values.
We show under realistic circumstances, investors who mortgage their home can outperform investors without mortgage debt."
In other words ... the experts agree - however unconventional the thought is, you'll do better (end up with more money, pay off your home faster, etc.) if you focus on NOT paying down your mortgage early utilizing traditional mortgage accelerator approaches.
E-book
Reveals:
Two Costly and Critical Mortgage Accelerator Mistakes
Priceless insights. Not reading this could cost you big time. You can get this E-book for FREE along with a copy of my DVD Workshop and Workbook below.
$9.95
If you're still thinking about implementing a traditional mortgage accelerator program - or trying to pay off your mortgage early by sending extra principal with your payment each month I suggest you start by investing ten dollars and buy my 15-page E-book "Two Costly and Critical Mortgage Accelerator Mistakes." That investment alone will save you hundreds - possibly thousands - of dollars and more complications, unhappy surprises, and excitement than I'm guessing you'd like to deal with.
Better yet, If you'd like to learn more about these costly and critical mortgage accelerator mistakes AND you want to learn the right way to own your home free and clear the fastest and most financially cautious way possible, I'd love to teach you more with my DVD Workshop and Workbook (you'll get a free copy of the "Two Costly and Critical Mortgage Accelerator Mistakes" E-book with your purchase of my DVD Workshop and Workbook). If you're ready to change your financial future, you can get your copy here.
The Second Goal For Getting Ahead Financially: Pay As Much As Possible Into Your Retirement Accounts.
Is conventional wisdom wrong again?
Well ...
Here's the thing: A qualified retirement account is tax deferred. This means you save on taxes (on your contributions) today in favor of paying taxes on your money in the future. That makes sense if future tax rates will be lower than they are today. But what if future tax rates aren't lower?
Ask yourself - as I've asked more people than I can count over the years in my public workshops: Do you think future tax rates will be lower, the same, or higher?
If you think the answer is the same or lower, by all means, sock as much money away as you can into your 401(k), IRA, and any number of other tax deferred retirement accounts.
If you think future tax rates will be higher, then you might want to evaluate your retirement savings strategy.
Should you stop contributions completely? That's for your financial advisor to determine - but that's not what I'm suggesting. What I am suggesting is that there's a "sweet spot" for how much you could be contributing to a retirement account to achieve the best financial outcome. Less than this, and you're missing out. More than this, and you're wasting your money. I refer to this in my Workshop as trying to put too much water in the bathtub. I'll teach you all about this in my DVD Workshop and Workbook - if you're ready, you can buy a copy here.
A couple of other things to think about on this topic:
- How is retirement income taxed? It's taxed as income, of course. But many people I talk with believe their retirement income will be taxed at a different rate (they think of it as a retirement tax rate).
- What if your contributions to your retirement account are causing you to compound your tax liability? Think of it this way, if you're among the many that believe future tax rates will be higher, then aren't you deferring taxes on more money (hopefully your contributions grow to become a MUCH larger amount of money, right?)? If that's true, you'll pay more in taxes on more money. Sounds like compounding your tax liability to me.
- If your employer is matching your contributions, what is the "sweet spot" for your contributions? The answer is that it depends - but let's make some assumptions so you can understand the idea. Let's say that your employer matches 3% to your 6%. Let's assume that when you retire, your withdrawals from your qualified account will be taxed at the marginal tax rate of 33%. Can you see how your employer's contribution would allow your money to grow tax free in retirement up to a certain point - but beyond that, you would start paying the tax bill in retirement with your contributions - and the growth on that money?
These insights are worth a lot of money and I just gave it to you for free. I'll teach you much more about how to optimize your retirement savings strategies in my DVD Workshop and Workbook. If you're ready to get your retirement strategy right, you can get a copy here.
The Third Goal For Getting Ahead Financially: Assemble A Team Of Advisors And Let Them Turn Your Hard-Earned Money Into Millions For Retirement.
Wrong again?
Not really.
I think having a team of professional advisors (Financial, Tax, Estate, Mortgage, Real Estate, and others) is a brilliant move. As long as they're all well-educated, licensed, credentialed, and focused on your goals. But it's only a brilliant move if that team knows how to work well together.
That may sound like a small detail and it is. Sort of.
If you have a financial advisor and a tax advisor (and they're not the same person), when was the last time the two of them spoke to each other? Do they regularly consult the other to ensure the strategies they're implementing for you and with you are as efficient as possible to the other professional - and much more importantly - to your ultimate financial goals?
Did your mortgage lender consult with your financial and tax advisors about their debt strategy for you to ensure it's facilitating (rather than hurting) your financial and tax goals?
Here's an easy to avoid and very real and painful example of what I'm talking about:
Let's pretend you have good friends who are very excited about owning investment real estate: They have a team of professionals who helps them, so ...
- They talk with their financial advisor to make sure their goals are appropriate and suitable for their five and ten year financial goals - as well as their retirement goals. It is, so they move on.
- They talk with their tax advisor who explains tax strategies for investment real estate that will save them big money - including advanced 1031 strategies for legally avoiding paying capital gains tax on the gain they'll realize from the growth of their real estate investments. So they move on, very excited!
- They talk with their mortgage advisor who explains how investment real estate mortgages work and . They get qualified for the loans they'll need to accomplish their investment real estate goals ... and they move on.
- They talk with their Realtor® who shows them what's available in the market, how to run an internal rate of return calculation on the properties they'll be thinking about investing in to ensure the best possible financial choice, and discusses probably rents for the properties they're going to be looking at ... and they move on.
- They talk with their attorney who shows them the best way to structure the ownership of their investment properties to protect against liability. They're shown an LLC strategy that will limit their personal liability and between each property. So they move on ...
- And start buying investment property utilizing all the tools their advisors have shared with them - implementing everything. They're feeling smart, really smart! And then ...
They get a notice in the mail about their first investment property. It's from the mortgage company. They're calling the note. They have a short time to pay the mortgage company off - or they'll start foreclosure proceedings.
What Went Wrong?
They bought the investment real estate in their name - and after closing they quit claimed each property into a separate LLC. Their attorney and mortgage lender didn't talk. Their attorney gave good legal advice - but the recommendation that they quit claim to the LLC caused the due on sale clause to be exercised by the lender. Bad financial result.
I'd love to teach you more about how to work effectively with a team of advisors with my DVD Workshop and Workbook. Read on to decide which package will work best for your needs.
Provided you're financially disciplined, whatever your financial goals are, you’ll get there faster and safer by learning from me and following my plan ...
"A Tornado swept away our home in 2008! But because we listened to Ken ... it didn't blow away our future.
Had we followed conventional wisdom, we would have lost over $39,000 in the storm...but because we followed Ken's program, our financial future is still cloud-free! Thanks Ken!"
"Eye-opening! What happened to Ken's friend could happen to anyone who isn't well prepared. Learning and implementing Ken's ideas makes me feel much more secure about my future."
"Learning that paying off a mortgage is not necessarily a good option was a shock.
Learning HOW to carry a mortgage most effectively was a revelation.
You're an expert in your field. I would definitely recommend this to friends! Thank you, Ken!"
Now I’ve taken all my knowledge and experience and condensed it into a 2-hour “Asset Optimization Kit.”
Hundreds of thousands of dollars worth of consulting experience for just $350.
But you'll be wasting your money with my program if you're not financially disciplined. If you have no discipline, no ability to save money and leave it alone, you're much better off continuing with your current financial strategy.
If you are financially disciplined, you'll be shooting yourself in the financial foot to not invest in my program.
Here’s just some of what I’ll show you...
- How to use the “Choice and Control” criteria when evaluating a debt or investment strategy.
- How to structure your mortgage so that it can transform taxable investments into “tax free” investments.
- How to ensure that all your advisors (accountant, estate planner, financial advisor, mortgage broker) are all rowing in the same direction.
- How to SAFELY and quickly pay off your mortgage without the risk of a mortgage accelerator...and still have much greater wealth and freedom at the end!
- How the IRS wants you to invest...and how to avoid their trap.
- Why Home Equity Lines of Credit are far riskier than your broker would have you believe! Why experts call Home Equity Lines of Credit a financial “black hole.”
- Over-filling your 401(k) bathtub? Many baby boomers are! I’ll give you a quick illustration to help you determine the RIGHT amount to put into your qualified plan.
- How to transform your home equity from a depreciating liability into an optimized and appreciating asset!
- How to avoid the “$25,000 Home Equity Mistake.”
Industry Experts Endorse My Program
Industry experts agree that my plan offers a safe, liquid, and tax-smart strategy for their clients!
“I know of no one who has more passion for what they do, who has spent more time studying, learning, finally teaching their passion. Ken absolutely knows of what he speaks, and it would be wise for you to purchase Ken’s DVD and workbook – then listen, learn, then start changing your financial future.”
"Ken shows you step by step how to maximize your home investment.
These are the secrets that wealthy people have been using for decades; now you can use these same strategies to pay off your mortgage the smartest and fastest way possible while creating greater wealth."
"I am blown away by what I have been missing! My clients are amazed that with a small shift, they are able to save thousands but most of all, have peace of mind in an economic climate that is less that peaceful!"
"Savvy homeowners will benefit financially and personally from Ken's straight-forward explanation of these unconventional, but proven, strategies."
You’ll get my complete Asset Optimization Kit ... for only $350.00
(read on to learn how to get it FREE!)
- My 6-Page “Quick Start Guide”. Fill out this simple guide and within 30 minutes of opening your kit, you’ll have a game plan which will jump-start you down the road to greater net worth. I charge $225.00 for this service in my private practice!
- 2 DVDs. This video of my two-hour “Three Simple Adjustments” seminar provides you with everything you and your advisors need to know to start optimizing your financial strategy. A $750 value.
- Plus you’ll get ... an instant download of my workbook: Accelerate Your Retirement With A Home Equity Optimization Plan®: Three Simple Adjustments That Secure A Better Financial Future, a $347 value.
In this book you'll learn ...
- How to avoid paying extra interest payments to the mortgage company! (pages 67-69)
- How to find the "sweet spot" for contributions to your retirement accounts - including your 401(k). (page 17)
- How to deduct a mortgage of ANY amount - even $7,000,000…if you know this tax code tip. (pages 21 & 22)
- How marginal tax brackets work - and how you can leverage this new knowledge to reach your financial goals. (pages 18 & 19)
- How to cut through the Mortgage Accelerator hype and confusion to find the right pay-down strategy for you. (pages 49-60)
- How to transform your mortgage from dead weight to lethal weapon with a new, safer pay-down strategy! (pages 33-78)
- How to pull money out of your qualified retirement accounts tax free. (page 30)
- Flexible? Fixed? 15yr? 30yr? Which mortgage is right for you and your unique situation? Find out today. (pages 49-60)
- How to create a “bullet proof” plan that puts your mortgage and financial goals on autopilot! (DVD workshop, Workbook)
- Working with a wealth management team so you can accelerate your financial goals and be confident you're doing the best thing. (pages 80-84)
- How to contribute to your own private non-qualified retirement plan - without paying taxes on your contributions. (page 29)
- Learn how banks make money - and how you can utilize the same strategies to increase your personal wealth. (pages 66 - 69)
- BONUS Section ($79 value) - How to save 100% on capital gains tax with your investment properties! Never pay a dime if you follow this plan (pages 87-91)
In addition to the DVD/CD series and Workbook you’ll also get these bonuses...
- BONUS 1: My Report “Understanding the Tax Consequences of a Mortgage Accelerator Program.” A $39 value.
- Bonus 2 : My 17-page Real Estate Investment Worksheet. If you like investing in real estate this worksheet will put you in a position to understand how your current (or proposed) real estate properties are performing financially. This information will put you in a position to understand the real internal rate of return on your real estate assets. I charge $275 for this service in my private practice!
- BONUS 3: A third DVD which includes Frequently Asked Questions and more detailed illustrations of the more advanced concepts I discuss in the main section. A $447 value.
- Bonus 4: An instant download of my 15-page E-Book "Two Costly and Critical Mortgage Accelerator Mistakes" available for $9.95 elsewhere on this site.
All for just $350.00 today!
- BONUS 5: Plus, you’ll also get a FREE, 20-minute telephone consultation with me. A $115 value, free.
I'll help you complete your “Quick Start” guide and answer any questions you might have about the information in the program...as well as any questions you might have about your own mortgage strategy. And, if you like, I'll even recommend financial advisors who know my strategies and can help you implement them…fast!
THE ULTIMATE “NO BRAINER” LIFETIME GAURANTEE
I’ll send you all this for just $350.00 today. Pay just $350.00 and a small shipping and handling fee and I’ll ship you the Gold Package today - and you can download my book immediately. Try it out for as long as you like. If you read, watch, listen, read, and complete your free consultation with me and implement the recommended changes, I know you’ll see the benefits of my program in less than a month.
But, if at any time you feel that my program is not everything I say it is, simply call me and ask for a refund - then return it to the address I provide you, and you'll receive a
full refund
less the cost of shipping and handling as soon as I've confirmed receipt.
All you have to do is ask!
All the risk is on me ... and I’m making it as easy as I possibly can for you to get
involved with my program. That’s how much I believe it can help you.
$350.00 for a program that shows you a safe, liquid, tax-smart plan that gives you a
great return on your investment and helps you pay off your mortgage faster than any other program in the market?
NOW get the Gold Package for FREE!
As a special offer, I'm giving my mortgage clients who have purchased the Gold Package a $350.00 credit towards closing costs when I close their new mortgage. Buy the Gold Package and get your next mortgage from me - and I'll give you $350 as a credit towards closing costs! As I tell my mortgage clients: "I'll give you a great mortgage at a phenomenal rate - and service and expertise that is second to none! Why not let me buy you the DVD and Workbook too?" I provide mortgages to homeowners throughout the United States.
Sounds like a no-brainer doesn't it?
For Your Protection All
Orders Processed on a Secure ServerOr, if you would like personalized, unlimited, one-on-one mortgage/retirement/tax/financial coaching with me...and much more (people are always wondering if there's more to buy later...with this package - the answer is "No!")...
PLATINUM PACKAGE....$1495.00
Our Platinum package comes with everything listed above in the Gold Package ...
- You’ll get a copy of my “Discovery Process” workbook from my private practice. This workbook will give you a step-by-step road map for working through all the action steps in the DVD. This workbook condenses a process that I charge over $2500 for in my private practice down to simple, easy-to-execute steps!
As an added extra bonus, this workbook will take you through the process of identifying what's most important to you in each area of your life - and what you should be taking action on to accomplish your goals. Clients have referred to this as "Priceless!" and "Life changing!" - Free unlimited telephone consultations with me (my time bills at $350/hour) . I'll consult with you until you're completely 100% confident in implementing all the strategies in my DVD and Workbook. I will:
walk you through the Quick Start Guide and Discovery Process workbook
help you gather all the information you’ll need to get started
and answer any questions you have about the plan.
I guarantee that at the end of our time you will feel fully-equipped to execute your personal “asset optimization” battle plan. - You'll also get complete "Battle Plans" for your advisors. We do all the heavy lifting for you. After your phone consultation we will email you three letters, ready for mail, with a full "playbook" for each of your advisors. Just put them in the mail or forward them to your advisors to get them all "rowing in the same direction" as early as next week. A $750 value.
For Your Protection All
Orders Processed on a Secure ServerNO RISK PLATINUM LIFETIME GUARANTEE
If you are not 100% satisfied with the Platinum Package including the information in the DVD, CD, my book, free report and consultation, simply call me and ask for a refund - then return everything and I’ll refund 100% of your money, less the cost of shipping and handling. All you have to do is ask!
All I ask is that you give my program a fair shot. If you apply my principles, I guarantee you’ll be on your way to a financial future that’s safe, liquid, and tax smart!
I’m so sure of this that I’ll return your money if you don’t feel the same way.
And you can take as long as you like to decide.
Nothing could be easier or more risk-free! So, give it a try. I'm looking forward to helping you transform your financial future.
To Your Financial Success,
Ken W. Stone
RMA®, CMPS®, TCMP, CMP, CMA
www.MortgageAcceleratorPrograms.com
info@mortgageacceleratorprograms.com
800-926-7954
P.S. –– I haven't even talked about one of the most valuable BONUS sections of the DVD where I'll teach you how to optimize all the assets in your life. Please let me know how your life has changed after you go through this section of the DVD and the workbook. I can't wait to hear from you!
P.P.S. My time bills at $350 an hour, and my private practice clients invest $1,900 to $5,250 for the advice I've put into this valuable, easy-to-watch-and-read-and-implement DVD and Workbook. You get all of the most valuable, profitable pieces of what I do for my clients in this DVD and Workbook. Give it a look. All the risk is on me. Get it now.
