The IBS Financial Compass

Here is the program you should add in to your menu of services right away. You can offer a program to your past, current, and future clients that has a tremendous financial benefit to the client that also protects and builds their credit, and can earn you a commission even without a loan. You can get started very inexpensively and start earning commissions right away with your own website and direct to consumer video. And we're here to help you get started.

Now let's look at the program.

The IBS Financial Compass is a fully administered debt management and elimination system that can eliminate all of your client's debt, including the mortgage (when that is the strategy) in 1/3 to 1/2 the time, saving them from tens to hundreds of thousands of dollars. The program also generates a commission to the salesperson. The program includes a wealth building module that the client can use to include their investment and requirement accounts and even forecast a shortfall in retirement if they do not have enough going towards their retirement. they get the ability to look at their overall financial picture and run what if scenarios. This is also a powerful tool you can take advantage in your mortgage planning practice.

Our program works with multiple debt, liability management and wealth building strategies. We can choose to accelerate a debt or leverage it out (as in equity management). Our program is a perfect extension of services when used to supplement the equity repositioning report and debt consolidation reports in Mortgage Coach®.

Of course, the most important aspect of the program is what it can do for your client. So let's look at the benefits for the client.

• Savings of tens to hundreds of thousands in direct interest savings along with an additional similar savings in payments they no longer have to make due to the elimination of several years of payments.
• A fully administered program where the work is done for them through an advanced bill pay system that follows the personalized analysis created for the client. We do the work for them, and maintain flexibility in the program for changes and updates to new or refinanced mortgages and other debts.
• Financial Discipline through our system. By making the payments of the debts in our program and accelerating the payoff of the debt over time, we are not freeing up a tremendous amount of available credit all at once. Thus helping the client to learn to start using more cash and less credit leading to the formation of new habits in how they handle their money.
• Improvements in their credit as the debt is accelerated. The most expensive debt is paid first, which is usually revolving which can account for up for 30% of their credit score.
• Improvements to the client's debt to income ratio (DTI), which combined with improved FICO, can lead to an easier to qualify client and better rate and pricing for all involved in future transactions.
• A wealth building program that works with virtually any investment strategy (including equity management). The Financial Compass can also devote a portion of the savings created as each debt is retired and apply that to an investment or savings account of the client's choosing.
• An effective rate on all of their debt improving by 25% to 50% on average.
• Access to their account on line 24/7 including the ability to run a "what if" scenario to gauge the positive and/or negative repercussions of a new or updated debt. Allows the client to see the change in the debt free date and to their overall interest savings and potential investment growth for retirement.
• Peace of mind in knowing that their funds are transferred through Metavante, the leading funds transfer company in the world.

Now let's look at the benefits to the mortgage planner or other financial professional.

• Let's you bring significant value to your client, including a client that can not qualify for a loan today, and puts them on the fast track to future transactions by improving their fico and dti as their debt is eliminated. It also helps your client to become more financially responsible and disciplined.
• Generates a commission for you today for a client you can not qualify for a loan until down the road. You can still get paid for helping them today and retain them as a client for those future transactions.
• Allows you to give the client a plan to address their debt allowing you additional options in qualifying them for a loan. Such as going Rate & Term as opposed to cash out or doing a partial cash out and using as little to none of their equity to "pay off" the debt, which really just moves the debt over to their mortgage from the credit cards, freeing up some monthly cash that almost never ends up going toward paying down their debt. The debt is addressed in our program which gives you more flexibility when planning with the client.
• Your client is in a program that addresses the most expensive debt first, which also helps improve dti more quickly. Many other programs want to focus on the mortgage,which is usually a poor strategy.
• You have a program to offer that can also address the retirement and investment income or potential shortfall for the client today helping to plan today for their future.
• You can keep your client who can't qualify for the equity management plan you were putting together. You can still help your client get into an investment grade insurance or other program later after enough monthly cash has been freed up to make the investment payments monthly out of cash flow. Now instead of turning your client away or thinking you've lost the deal, you have a way to help put them on track to saving money, get them into the investment program you sold them on in the first place, and you earned a commission today while ensuring further commissions down the road.
• No competition from us. We want you to be able to offer additional services or work with referral partners. Unlike other programs that want to offer additional services for "free" (leading to other paid services), we aren't going to go to your client and offer them services that you have referral partners for such as credit repair, retirement or investment planning, etc. We understand the value of your referral partners and remind you that they will create new referrals for you where a program that cuts them out will not.

We give you a tool in our program that can be the vehicle for many of your other services, or those of your referral partners. For instance, you can add your client's investment accounts to our system. You (and your referral partners ) can use our program to show the client the benefits of the investing strategies and products you are proposing. We do not promote or sell those products.

Your client is your client. You are our client. Our goal is to help you build both your and your client's future with a system that is easy to understand, easy to use, flexible, and provides results.

Next time we'll look at the cutting edge marketing tools that have been designed to help boost your business and your client retention rates.

To get started today call (888) 800-3910 or visit www.ibsbrokersolutions.com