Financial Planners
Strategic minds. Wealth-building allies. Unlock more from every move you make.
Making real estate moves without a financial strategy?
- Have you built home equity but don’t know what to do with it?
- Are you wondering if real estate is a smart piece of your retirement or tax plan?
- Is your money sitting idle when it could be multiplying your wealth?
- Is your money sitting idle when it could be multiplying your wealth?
- Have you thought about how your mortgage decisions affect your long-term
One of our clients had over $500,000 in home equity and no clear direction. Working alongside a Certified Financial Planner from our partner network, she was able to refinance a property, unlock $200K in equity, and redeploy it into a mix of real estate syndications and Roth IRAs for tax-advantaged growth—all while keeping a safety net.
Where a Certified Financial Planner Adds the Most Value
High-impact scenarios in debt, equity, or housing decisions that change plan outcomes.
Structural Gaps & Risk Misalignment
Terms, amortization, points, reserves, or debt mix don’t match the IPS—CSA right-sizes structure to the plan and documents cash-flow/sequence-risk impact.
Client in Transition
Relocation, downsizing, divorce, inheritance, retirement—CSA unlocks/liquifies equity (HELOC, cash-out, bridge, HECM) while preserving liquidity and tax positioning.
Build—or Distribute—Wealth
For acquisitions or retirement income, CSA aligns cost of capital (DSCR/HELOC/recast) with cash flow, growth, and legacy objectives—coordinated with CPA/estate counsel.
How a CFP Supports Your Financial Plan
- Convert home equity into plan-friendly liquidity without forcing asset sales.
- Evaluate refi vs. cash-out vs. HELOC/HECM/recast against tax and IPS constraints.
- Align real estate with portfolio (risk, duration, and cash-flow targets).
- Coordinate with CPA/estate attorney at term sheet and closing.
- Provide written impact memos: cash flow, reserves, breakeven, and risk notes.
When to Loop a CFP Into Your Advisor Team
Moments when expert planning protects your cash flow, taxes, and long-term goals.
Multiple properties or significant equity without a written debt policy.
Major life change: move, divorce, retirement, inheritance, liquidity need.
Idle equity / tight reserves where smart leverage improves resilience.
Concern about sequence-of-returns risk or variable income in retirement.
Desire to fund investments, gifting, or legacy without selling securities.
CPAs focus on taxes. Planners focus on strategy.
Absolutely. A CFP bridges the gap between your mortgage and your long-term goals.
Get Introduced to a Financial Planner who collaborates directly with lenders, CPAs, and attorneys to unify your entire strategy.
Nope. The earlier you start, the more you benefit.
Yes. They can help time your purchases, avoid high-cost loans, and structure your financial roadmap.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
Easy and quick refinance with great rates and expert advice.
I recently refinanced my existing mortgage with Jim and his team, and I was so pleased with how easy and quick the whole process was. Jim and his team were very responsive to my questions, and I feel confident that I got the best rate and shaved 9 years off my mortgage. He is very knowledgeable and helped me determine the best option for myself and my family. Definitely recommend him.
Complex loan scenario handled with expertise and care.
The process went smoothly. Jim Blackburn is a lending saint. He knows the market well and cares about his clients tremendously. The team made it really easy to do business, uploading documents and getting forms signed. Our situation is a bit complex. Rather than turn us away for some added work, they dug in to get it done right. They like the complexity, whereas other lenders don’t want to roll up their sleeves. Highly recommend Jim Blackburn for new loans and refinances!
Closed in time for Thanksgiving! Jim and his team were amazing, and we got a much better deal than previous lender.
We closed our loan within 19 days. Just in time for Thanksgiving!! Jim and his team are amazing! We initially had gone with a different loan office and the interest rate and down payment was ridiculous. The owner of the company where my husband works referred us to Jim and we are very grateful for that. We had such an amazing experience with Jim and his team! Since our transaction, we’ve been referring Jim to anyone we know that are thinking of purchasing a house.
Secured financing despite market challenges and self-employment.
Run, don't walk to work with Jim and his team. Jim helped us get financing when it seemed like an impossible feat. It was hard enough to be managing a home purchase 2000 miles away, but add to that an extremely competitive market and being self-employed, and it seemed impossible until Jim's team got involved. Jim was not only responsive; he consistently went above and beyond by making clear recommendations, working his magic, and ensuring that financing wasn’t a barrier for buying our dream house in one of the most competitive markets in the country.
Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.