Upcoming CAMB Event

San Gabriel Valley Chapter

California Association of Mortgage Brokers

presents

“Excellence & Integrity in Lending”

Wednesday, February 18, 2009, 9:00 a.m. – 4:00 p.m. Registration Opens at 8:30 a.m.
Pasadena Convention Center, 300 E. Green St., Pasadena, CA

8:30 a.m.	Registration Opens
9:00 – 11:00 a.m.	Loan Modifications – The Do’s and Don’ts – Featuring lender modification representatives to share inside modification policies! with Jack Williams, CAMB State Past President covering DRE’s New Regulations and YOUR liability. Representatives from WAMU and GMAC will also be present to answer your questions!
11:15 – 12:15 p.m.	How to use The New FHA to do more Loans and Sell more homes in 2009 featuring Charles Ludlam, U.S. Dept. of Housing/Urban Development
12:15 – 1:00 p.m.	Lunch Break (on your own)
1:00 – 1:45 p.m.	CAR Legal Update – featuring Stella H. Ling, Sr. Counsel, CAR; who will be discussing the DRE’s new licensing requirements; Highlights of California’s Foreclosure Relief Bill; New Laws for REO transactions
1:45 – 3:45 p.m.	How to Find and Motivate the Other Fifty Percent of Homeowners Who Are Not Under Water featuring Gibran Nicholas; Founder, CMPS Institute Earn CEU credits for DRE, CFP and NASBA. Bring your Realtor, CPA, and CFP referral partners to this valuable session!

Solomon Free Money Hour Radio Show from Feb 8, 2009 on Angels AM 830

How To Reduce Your Property Taxes, Low Interest Rates, $15,000 Bonus Tax Credit

Also:  The Solomon Free Money Hour is celebrating 3 years and over 240 radio talk shows and Solomon Financial's 19 years in business.

Want to reduce your Property Taxes? In many neighborhoods in California, Nevada, Florida, etc. we have seen property values drop considerably in the last 2 years as much as 40-60% here (in most areas) in Southern California.  After the Northridge Earthquake, so many people fled So Cal and headed for places like Vegas, but the population continued to grow here in So Cal.  Over the next 10 years it is estimated that 3.5 million more people will be living here in So Cal (from Santa Barbara down to San Diego). While we watched the median home prices in the Southern California Real Estate market drop over 20% from 1990 - 1995 and even more than that here recently, when more people are moving into an area than moving out, guess what happens to rental and home prices over time? 

How To Reduce Your Property Taxes, Low Interest Rates, $15,000 Bonus Tax Credit

Also:  The Solomon Free Money Hour is celebrating 3 years and over 240 radio talk shows and Solomon Financial's 19 years in business.

Want to reduce your Property Taxes? In many neighborhoods in California, Nevada, Florida, etc. we have seen property values drop considerably in the last 2 years as much as 40-60% here (in most areas) in Southern California.  After the Northridge Earthquake, so many people fled So Cal and headed for places like Vegas, but the population continued to grow here in So Cal.  Over the next 10 years it is estimated that 3.5 million more people will be living here in So Cal (from Santa Barbara down to San Diego). While we watched the median home prices in the Southern California Real Estate market drop over 20% from 1990 - 1995 and even more than that here recently, when more people are moving into an area than moving out, guess what happens to rental and home prices over time? 

Kerri Kasem on Fox 11 News chatting about Fred Solomon and Loan Modification

We captured this interview as Kerri was chatting with Fox 11 News.

 

Testimonial touting Solomon Financial Mortgage

I refinanced with Solomon Financial Mortgage and was extremely satisfied with the entire process. I received everything that I was promised in the no closing costs loan program and received an excellent interest rate as well. Fred Solomon assisted in the process and everything went smooth. In talking to other people who financed their mortgages through other companies they paid high closing cost fees and other hidden fees which significantly increased the cost of their loan. Unfortunately, these fees were hidden in their new loan and because they did not have to pay it up front they did not realize it until it was too late. Solomon gives you everything upfront.  ~N. Putt

Radio Show from February 2nd on Angels AM 830

The Truth about Loan Modifications, Short Sales and Foreclosures:

A practical approach to fixing your personal real estate crisis

Cristinha Furtado and Fred Solomon are reaching out to the community to provide education and materials for homeowners needing more information on foreclosures, short sales and federal loan modifications.  If you are late, struggling with your mortgage payment, or want to refinance but are upside down on your loan, facing foreclosure or considering a short sale this valuable workshop is guaranteed to help you.

Their next community workshop date is found here: http://www.freemoneyhour.com/webinar6.php

What You Will Learn:

· Loan Modifications – What they are, how they work, how to qualify.

· What the mortgage companies won’t tell you and don’t want you to know.

· How government programs like “Hope Now” “Short Pay Refi” and “Help for Home Owners” work.

· Short Sales and Foreclosures – Can you stay or must you go?

· How to rebuild your financial security after your real estate crisis.

This class includes a free workbook valued at $29.95!

“Seven Steps to Rebuilding Financial Security after Your Real Estate Crisis”

PRESENTING SPEAKERS:

Fred Solomon is a veteran mortgage industry expert, published author and host of the weekly AM radio show, “The Solomon Free Money Hour” broadcast throughout Southern California on Angels AM 830.

To hear his show go to: Fred Solomon Radio Room

Cristinha Furtado of Furtado Financial Services and GWN Securities Inc. , is a seasoned financial planner and investment advisor with over 15 years of experience helping individuals and businesses develop comprehensive financial plans. Her business is located in La Mesa, California and she is the author of “Seven Steps to Rebuilding Financial Security after Your Real Estate Crisis”.

To contact Ms. Furtado, call 619-468-9471 or email cristinha1@gmail.com

Fred Solomon, Cristinha Furtado What You Need to Know About Loan Modifications, Financial Planning Workshops

At this workshop, you will learn What You Need To Know About Loan Modifications
  1) Who are you: What's your money personality type and what strategy works best. (Saver, Spender, Impulsive)
2) What are your goals: Family, personal professional, and other. Prioritize them.
3) Taking Financial Inventory: Assets, Liabilities, future roadblocks, needs or windfalls.
4) Risk Assessment: Job Security, Health (including family), Insurance needs, Estate Planning
5) Plan Development: Establishing a budget and cash flow management.
6) Implementing the plan: discipline for undisciplined people
7) Rebuilding Credit

Topic: Real Estate, Your Mortgage, Investment and Financial Planning: Now Is The Time to be Proactive About Your Financial Security

Presenting speakers: Cristinha Furtado, Fred Solomon San Diego Workshop with Cris and Fred
Where: Mission Valley Hilton, 901 Camino Del Real South, San Diego, CA 92108
When: Thursday, March 5, 2009 Time: 6:30 pm to 9:30 pm
Cost: $29.95 (Includes Cristinha’s Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis and Fred Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing e-book
For San Diego, to register, go to http://www.freemoneyhour.com/webinar11.php or e-mail: info@sfmdirect.com with your Name, Address and e-mail for confirmation

Orange County Workshop with Fred Solomon, Lisa Solomon
Workshop by Fred Solomon
Where: Double Tree Hotel / Irvine Spectrum 90 Pacifica, Irvine, CA
When: Saturday, March 7, 2009 9:30 am to 12:30 pm PST (includes your Q & A)
Cost  $29.95. Guaranteed to help you.  Includes Fed Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing book
Orange County, to register go to http://www.freemoneyhour.com/webinar6.php

Cristinha Furtado says: We are experiencing the worst financial crisis in the history of the United States since the Great Depression. Loan defaults, foreclosures and bankruptcies have reached record numbers. Unemployment has nearly doubled since 2005. In California it is 9.3% - the highest level since the recession during the early 80’s. The SP500 has lost nearly 50% of its value from its peak back in October of 2007. It may take months and probably years for the various government bailout and stimulus packages to flow through Wall Street before we any benefit on Main Street. But it’s not all doom and gloom.

The US has a diverse economy and Americans are innovative and resilient. We will get through this, but it will take time for our economy to heal. You will get through it too, but now is the time to be proactive about your financial security. If you are late or struggling with your mortgage payment, make an appointment today with a reputable company that specializes in doing loan modifications (like Fred Solomon’s team). Or if you are not late, see if you can take advantage of a lower interest rate.

I recommend that you work with SFG because if you discover that you are not eligible for a refinance, then you can discuss how a loan modification might work instead. It’s best to talk to a professional who has the ability to offer both options so that you make an educated decision. Secondly, create a financial plan that works for you. Sadly, over 50% of loan modifications end up back in default because the family or individual did not have a “workable” financial plan going forward. As shocking as this may sound, it’s really not when 70% of Americans do not have a budget, 97% of Americans will not be able to retire at 65 because they haven’t saved enough. So if you have been fortunate enough to be given a second chance by your mortgage company with a loan modification – don’t blow it by not having a plan.

 This is why I developed my workbook, “Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis”. This is a financial planning process that I specifically designed for someone who has gone through or is going through a loan modification, short sale or foreclosure. It’s much different information than the standard text book financial planning advice you hear every day. Ask someone who is in foreclosure what it feels like when he wakes up in the morning not knowing how he is going to tell his family that they lost their home. He doesn’t care about the difference between an IRA and a 401k. He needs some practical advice that will help him rebuild his family’s financial security.

The person who’s struggling to make their monthly loan payments doesn’t want to hear about the virtues of different mutual funds. He wants is to learn how to save his credit so that he will not be turned down for a job or promotion because of bad credit. Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis is a workbook that provides steps that people can take to rebuild their financial security from the ground up. As a special opportunity to you, not only will you get this workbook as part of the loan modification service when you work with SFG, I will personally meet with you and coach them how to best apply this information so that you will not end up as the 50% whose loan modification ends up in default. This kind of service is normally valued at $495.00 Free when you attend our workshop.

About Cristinha Furtado – Investment Advisor Cristinha Furtado is a seasoned investment advisor with over 15 years of experience helping individuals and businesses develop comprehensive financial plans. Her licenses include Series 24- Registered Principal, Series 7 - General Securities and she is licensed to provide investment advice on a fee-only basis. Ms. Furtado specializes in financial planning and takes a unique approach when working with clients. “I never discuss investments or products until I spend a considerable amount of time uncovering what my clients’ goals and aspirations are for both their personal and professional life. It’s only until I truly understand my client that we can effectively work together to devise a sound strategy for achieving their goals. Ms. Furtado provides securities and investment advisory services through GWN Securities a registered broker dealer and member FINRA, as well as a wide variety of insurance products through Furtado Financial Services. As an independent financial advisor she is not limited to using a single company’s proprietary products. She believes that the best way to help clients build a solid financial foundation is to have the knowledge, experience and flexibility to offer truly independent financial advice.

2) What are your goals: Family, personal professional, and other. Prioritize them.
3) Taking Financial Inventory: Assets, Liabilities, future roadblocks, needs or windfalls.
4) Risk Assessment: Job Security, Health (including family), Insurance needs, Estate Planning 5
) Plan Development: Establishing a budget and cash flow management.
6) Implementing the plan: discipline for undisciplined people
7) Rebuilding Credit

Topic: What you Need to Know About Loan Modifications.  Real Estate, Your Mortgage, Investment and Financial Planning: Now Is The Time to be Proactive About Your Financial Security

Presenting speakers: Cristinha Furtado, Fred Solomon San Diego Workshop with Cris and Fred
Where: Mission Valley Hilton, 901 Camino Del Real South, San Diego, CA 92108
When: Thursday, March 5, 2009 Time: 6:30 pm to 9:30 pm
Cost: $29.95 (Includes Cristinha’s Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis and Fred Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing e-book
For San Diego, to register, e-mail: info@sfmdirect.com with your Name, Address and e-mail for confirmation

Orange County Workshop with Fred Solomon, Lisa Solomon
Workshop by Fred Solomon
Where: Double Tree Hotel / Irvine Spectrum 90 Pacifica, Irvine, CA
When: Saturday, March 7, 2009 9:30 am to 12:30 pm PST (includes your Q & A)
Cost  $29.95. Guaranteed to help you. 
Includes Fed Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing book
Orange County, to register go to http://www.freemoneyhour.com/webinar6.php

Cristinha Furtado says: We are experiencing the worst financial crisis in the history of the United States since the Great Depression. Loan defaults, foreclosures and bankruptcies have reached record numbers. Unemployment has nearly doubled since 2005. In California it is 9.3% - the highest level since the recession during the early 80’s. The SP500 has lost nearly 50% of its value from its peak back in October of 2007. It may take months and probably years for the various government bailout and stimulus packages to flow through Wall Street before we any benefit on Main Street. But it’s not all doom and gloom.

The US has a diverse economy and Americans are innovative and resilient. We will get through this, but it will take time for our economy to heal. You will get through it too, but now is the time to be proactive about your financial security. If you are late or struggling with your mortgage payment, make an appointment today with a reputable company that specializes in doing loan modifications (like Fred Solomon’s team). Or if you are not late, see if you can take advantage of a lower interest rate.

I recommend that you work with SFG because if you discover that you are not eligible for a refinance, then you can discuss how a loan modification might work instead. It’s best to talk to a professional who has the ability to offer both options so that you make an educated decision. Secondly, create a financial plan that works for you. Sadly, over 50% of loan modifications end up back in default because the family or individual did not have a “workable” financial plan going forward. As shocking as this may sound, it’s really not when 70% of Americans do not have a budget, 97% of Americans will not be able to retire at 65 because they haven’t saved enough. So if you have been fortunate enough to be given a second chance by your mortgage company with a loan modification – don’t blow it by not having a plan.

 This is why I developed my workbook, “Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis”. This is a financial planning process that I specifically designed for someone who has gone through or is going through a loan modification, short sale or foreclosure. It’s much different information than the standard text book financial planning advice you hear every day. Ask someone who is in foreclosure what it feels like when he wakes up in the morning not knowing how he is going to tell his family that they lost their home. He doesn’t care about the difference between an IRA and a 401k. He needs some practical advice that will help him rebuild his family’s financial security.

The person who’s struggling to make their monthly loan payments doesn’t want to hear about the virtues of different mutual funds. He wants is to learn how to save his credit so that he will not be turned down for a job or promotion because of bad credit. Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis is a workbook that provides steps that people can take to rebuild their financial security from the ground up. As a special opportunity to you, not only will you get this workbook as part of the loan modification service when you work with SFG, I will personally meet with you and coach them how to best apply this information so that you will not end up as the 50% whose loan modification ends up in default. This kind of service is normally valued at $495.00 Free when you attend our workshop.

About Cristinha Furtado – Investment Advisor Cristinha Furtado is a seasoned investment advisor with over 15 years of experience helping individuals and businesses develop comprehensive financial plans. Her licenses include Series 24- Registered Principal, Series 7 - General Securities and she is licensed to provide investment advice on a fee-only basis. Ms. Furtado specializes in financial planning and takes a unique approach when working with clients. “I never discuss investments or products until I spend a considerable amount of time uncovering what my clients’ goals and aspirations are for both their personal and professional life. It’s only until I truly understand my client that we can effectively work together to devise a sound strategy for achieving their goals. Ms. Furtado provides securities and investment advisory services through GWN Securities a registered broker dealer and member FINRA, as well as a wide variety of insurance products through Furtado Financial Services. As an independent financial advisor she is not limited to using a single company’s proprietary products. She believes that the best way to help clients build a solid financial foundation is to have the knowledge, experience and flexibility to offer truly independent financial advice.

Fred Solomon, Cristinha Furtado What You Need to Know About Loan Modifications, Financial Planning Workshops

At this workshop, you will learn What You Need To Know About Loan Modifications
  1) Who are you: What's your money personality type and what strategy works best. (Saver, Spender, Impulsive)
2) What are your goals: Family, personal professional, and other. Prioritize them.
3) Taking Financial Inventory: Assets, Liabilities, future roadblocks, needs or windfalls.
4) Risk Assessment: Job Security, Health (including family), Insurance needs, Estate Planning
5) Plan Development: Establishing a budget and cash flow management.
6) Implementing the plan: discipline for undisciplined people
7) Rebuilding Credit

Topic: Real Estate, Your Mortgage, Investment and Financial Planning: Now Is The Time to be Proactive About Your Financial Security

Presenting speakers: Cristinha Furtado, Fred Solomon San Diego Workshop with Cris and Fred
Where: Mission Valley Hilton, 901 Camino Del Real South, San Diego, CA 92108
When: Thursday, March 5, 2009 Time: 6:30 pm to 9:30 pm
Cost: $29.95 (Includes Cristinha’s Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis and Fred Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing e-book
For San Diego, to register, go to http://www.freemoneyhour.com/webinar11.php or e-mail: info@sfmdirect.com with your Name, Address and e-mail for confirmation

Orange County Workshop with Fred Solomon, Lisa Solomon
Workshop by Fred Solomon
Where: Double Tree Hotel / Irvine Spectrum 90 Pacifica, Irvine, CA
When: Saturday, March 7, 2009 9:30 am to 12:30 pm PST (includes your Q & A)
Cost  $29.95. Guaranteed to help you.  Includes Fed Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing book
Orange County, to register go to http://www.freemoneyhour.com/webinar6.php

Cristinha Furtado says: We are experiencing the worst financial crisis in the history of the United States since the Great Depression. Loan defaults, foreclosures and bankruptcies have reached record numbers. Unemployment has nearly doubled since 2005. In California it is 9.3% - the highest level since the recession during the early 80’s. The SP500 has lost nearly 50% of its value from its peak back in October of 2007. It may take months and probably years for the various government bailout and stimulus packages to flow through Wall Street before we any benefit on Main Street. But it’s not all doom and gloom.

The US has a diverse economy and Americans are innovative and resilient. We will get through this, but it will take time for our economy to heal. You will get through it too, but now is the time to be proactive about your financial security. If you are late or struggling with your mortgage payment, make an appointment today with a reputable company that specializes in doing loan modifications (like Fred Solomon’s team). Or if you are not late, see if you can take advantage of a lower interest rate.

I recommend that you work with SFG because if you discover that you are not eligible for a refinance, then you can discuss how a loan modification might work instead. It’s best to talk to a professional who has the ability to offer both options so that you make an educated decision. Secondly, create a financial plan that works for you. Sadly, over 50% of loan modifications end up back in default because the family or individual did not have a “workable” financial plan going forward. As shocking as this may sound, it’s really not when 70% of Americans do not have a budget, 97% of Americans will not be able to retire at 65 because they haven’t saved enough. So if you have been fortunate enough to be given a second chance by your mortgage company with a loan modification – don’t blow it by not having a plan.

 This is why I developed my workbook, “Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis”. This is a financial planning process that I specifically designed for someone who has gone through or is going through a loan modification, short sale or foreclosure. It’s much different information than the standard text book financial planning advice you hear every day. Ask someone who is in foreclosure what it feels like when he wakes up in the morning not knowing how he is going to tell his family that they lost their home. He doesn’t care about the difference between an IRA and a 401k. He needs some practical advice that will help him rebuild his family’s financial security.

The person who’s struggling to make their monthly loan payments doesn’t want to hear about the virtues of different mutual funds. He wants is to learn how to save his credit so that he will not be turned down for a job or promotion because of bad credit. Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis is a workbook that provides steps that people can take to rebuild their financial security from the ground up. As a special opportunity to you, not only will you get this workbook as part of the loan modification service when you work with SFG, I will personally meet with you and coach them how to best apply this information so that you will not end up as the 50% whose loan modification ends up in default. This kind of service is normally valued at $495.00 Free when you attend our workshop.

About Cristinha Furtado – Investment Advisor Cristinha Furtado is a seasoned investment advisor with over 15 years of experience helping individuals and businesses develop comprehensive financial plans. Her licenses include Series 24- Registered Principal, Series 7 - General Securities and she is licensed to provide investment advice on a fee-only basis. Ms. Furtado specializes in financial planning and takes a unique approach when working with clients. “I never discuss investments or products until I spend a considerable amount of time uncovering what my clients’ goals and aspirations are for both their personal and professional life. It’s only until I truly understand my client that we can effectively work together to devise a sound strategy for achieving their goals. Ms. Furtado provides securities and investment advisory services through GWN Securities a registered broker dealer and member FINRA, as well as a wide variety of insurance products through Furtado Financial Services. As an independent financial advisor she is not limited to using a single company’s proprietary products. She believes that the best way to help clients build a solid financial foundation is to have the knowledge, experience and flexibility to offer truly independent financial advice.

2) What are your goals: Family, personal professional, and other. Prioritize them.
3) Taking Financial Inventory: Assets, Liabilities, future roadblocks, needs or windfalls.
4) Risk Assessment: Job Security, Health (including family), Insurance needs, Estate Planning 5
) Plan Development: Establishing a budget and cash flow management.
6) Implementing the plan: discipline for undisciplined people
7) Rebuilding Credit

Topic: What you Need to Know About Loan Modifications.  Real Estate, Your Mortgage, Investment and Financial Planning: Now Is The Time to be Proactive About Your Financial Security

Presenting speakers: Cristinha Furtado, Fred Solomon San Diego Workshop with Cris and Fred
Where: Mission Valley Hilton, 901 Camino Del Real South, San Diego, CA 92108
When: Thursday, March 5, 2009 Time: 6:30 pm to 9:30 pm
Cost: $29.95 (Includes Cristinha’s Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis and Fred Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing e-book
For San Diego, to register, e-mail: info@sfmdirect.com with your Name, Address and e-mail for confirmation

Orange County Workshop with Fred Solomon, Lisa Solomon
Workshop by Fred Solomon
Where: Double Tree Hotel / Irvine Spectrum 90 Pacifica, Irvine, CA
When: Saturday, March 7, 2009 9:30 am to 12:30 pm PST (includes your Q & A)
Cost  $29.95. Guaranteed to help you. 
Includes Fed Solomon’s The Who, What, Where, When, Why & How Guide to Smart & Prosperous Home Buying / Investing book
Orange County, to register go to http://www.freemoneyhour.com/webinar6.php

Cristinha Furtado says: We are experiencing the worst financial crisis in the history of the United States since the Great Depression. Loan defaults, foreclosures and bankruptcies have reached record numbers. Unemployment has nearly doubled since 2005. In California it is 9.3% - the highest level since the recession during the early 80’s. The SP500 has lost nearly 50% of its value from its peak back in October of 2007. It may take months and probably years for the various government bailout and stimulus packages to flow through Wall Street before we any benefit on Main Street. But it’s not all doom and gloom.

The US has a diverse economy and Americans are innovative and resilient. We will get through this, but it will take time for our economy to heal. You will get through it too, but now is the time to be proactive about your financial security. If you are late or struggling with your mortgage payment, make an appointment today with a reputable company that specializes in doing loan modifications (like Fred Solomon’s team). Or if you are not late, see if you can take advantage of a lower interest rate.

I recommend that you work with SFG because if you discover that you are not eligible for a refinance, then you can discuss how a loan modification might work instead. It’s best to talk to a professional who has the ability to offer both options so that you make an educated decision. Secondly, create a financial plan that works for you. Sadly, over 50% of loan modifications end up back in default because the family or individual did not have a “workable” financial plan going forward. As shocking as this may sound, it’s really not when 70% of Americans do not have a budget, 97% of Americans will not be able to retire at 65 because they haven’t saved enough. So if you have been fortunate enough to be given a second chance by your mortgage company with a loan modification – don’t blow it by not having a plan.

 This is why I developed my workbook, “Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis”. This is a financial planning process that I specifically designed for someone who has gone through or is going through a loan modification, short sale or foreclosure. It’s much different information than the standard text book financial planning advice you hear every day. Ask someone who is in foreclosure what it feels like when he wakes up in the morning not knowing how he is going to tell his family that they lost their home. He doesn’t care about the difference between an IRA and a 401k. He needs some practical advice that will help him rebuild his family’s financial security.

The person who’s struggling to make their monthly loan payments doesn’t want to hear about the virtues of different mutual funds. He wants is to learn how to save his credit so that he will not be turned down for a job or promotion because of bad credit. Seven Steps to Rebuilding Financial Security After Your Real Estate Crisis is a workbook that provides steps that people can take to rebuild their financial security from the ground up. As a special opportunity to you, not only will you get this workbook as part of the loan modification service when you work with SFG, I will personally meet with you and coach them how to best apply this information so that you will not end up as the 50% whose loan modification ends up in default. This kind of service is normally valued at $495.00 Free when you attend our workshop.

About Cristinha Furtado – Investment Advisor Cristinha Furtado is a seasoned investment advisor with over 15 years of experience helping individuals and businesses develop comprehensive financial plans. Her licenses include Series 24- Registered Principal, Series 7 - General Securities and she is licensed to provide investment advice on a fee-only basis. Ms. Furtado specializes in financial planning and takes a unique approach when working with clients. “I never discuss investments or products until I spend a considerable amount of time uncovering what my clients’ goals and aspirations are for both their personal and professional life. It’s only until I truly understand my client that we can effectively work together to devise a sound strategy for achieving their goals. Ms. Furtado provides securities and investment advisory services through GWN Securities a registered broker dealer and member FINRA, as well as a wide variety of insurance products through Furtado Financial Services. As an independent financial advisor she is not limited to using a single company’s proprietary products. She believes that the best way to help clients build a solid financial foundation is to have the knowledge, experience and flexibility to offer truly independent financial advice.

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