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Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
3 Questions
If You Own Real Estate,
Single Biggest Asset? Single Biggest Liability? Single Biggest Expense?
1
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Real estate is the most mismanaged, generally
unmanaged, asset class on one’s balance sheet
2
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
““The American Dream”The American Dream”
• Work & ContributeWork & Contribute• Live Personal Live Personal
FulfillmentFulfillment• Leave a LegacyLeave a Legacy
3
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Financial Planning….the 3 Legged Stool
Social Security Company Paid Pension Modest Savings
4
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Great Strategy 2 Requirements
1.Stool Needs 3 SOLID Legs
2.You Die (Reasonably Soon!)
5
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
A 3 Legged Stool With
3 Breaking Legs!
Social Security = Tremendous Stress Company Paid Pension = Declining Since 1970’s Modest Savings = Not Enough
People Are Living Longer Than Ever!6
Copyright © 2006 Academy of Mortgage Planning TM
All Rights Reserved
Multi-Generational Trap!
What Are You What Are You Going To Do?Going To Do?
•Inheritance?•Lotto Ticket?•Wishful Thinking?
7
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
““The Dream - Not The Dream - Not Realized”Realized”
smsm
Robert KrakowerRobert Krakower
Must Optimize ALL AssetsMust Optimize ALL Assets Cannot Pay Lip Service To Real Cannot Pay Lip Service To Real EstateEstate Cannot Follow Conventional Cannot Follow Conventional Wisdom!Wisdom!
9
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
How Much Do You Want To Invest In This?
You determine how much to invest how long it’s invested You can increase your monthly contribution, but not reduce it If you attempt to pay less, you will lose your previous contributions It’s not safe from loss and you cannot control of the cause of the loss As your investment increases in value, so does your risk of loss It is not liquid and you have to pay fees to convert it into cash You must qualify to receive it You tax liability increases with each installment It has an ROI of 0% When fully funded, it pays NO income
10
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Why Do People Hate Mortgages – And Why You Shouldn’t
Our Story Begins….
11
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Real estate is the mostmismanaged, generally
unmanaged, asset class onone’s balance sheet
12
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Registered Mortgage Advisor
RMA?
13
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
What makes us different?What makes us different?
A Financial PlannerA Financial PlannerNot Stock, Bonds & Mutual FundsNot Stock, Bonds & Mutual Funds
14
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
What makes us different?What makes us different?
A Financial PlannerA Financial PlannerManage Debt & Real Estate EquityManage Debt & Real Estate Equity
15
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
A Financial PlannerA Financial Planner
The Professional Mortgage Plan sm
- Comprehensive Financial Plan That Integrates Real Estate Solutions
16
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
A Financial PlannerA Financial Planner
The Professional Mortgage Plan sm
The O.E.S.sm = Goldie Locks 3 Things:
• Protect RE Equity from Loss• Increase Safety & Liquidity• Reduce the Taxes You Pay:
17
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
11-17% Better Returns11-17% Better Returns
$1.5 Billion Dollars A Year$1.5 Billion Dollars A Year
18
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
A Financial PlannerA Financial Planner
The Professional Mortgage Plan sm
4 Steps:1. Eliminate Reductive Debt2. Establish SIGNIFICANT LIQUID Cash
Reserves3. Protect What You Have4. Save & Invest For Long-Term Goals & Plans
19
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
A Financial PlannerA Financial Planner
The Professional Mortgage Plan sm
4 Steps
Common Sense - Uncommon Behavior The Sequence - Avoid Failure/Back-Pedaling
20
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
A Financial PlannerA Financial Planner
The Professional Mortgage Plan sm
2 Kinds of Debt: Reductive Debt – Debt That Costs You Money, Used to
Purchase Depreciating Assets Productive Debt – Debt That MAKES YOU MONEY
21
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The RMAThe RMA
A Financial PlannerA Financial Planner
Part of a
Wealth Management Team
22
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Wealth Management TeamThe Debt & RE Equity Manager
The Asset ManagerThe Tax Manager
The Estate Manager
All Working Together !23
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
CertaintyCertainty
24
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Edward Deming - System Failure
94% of all failures are Systemic We are going to give you a
system that Works!
25
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Gap and the GiftThe Gap and the Gift smsm
The Charter The Charter Builder SystemBuilder System smsm
The ProfessionalMortgage Plan sm
The Bank of YouThe Bank of YouReviewReview smsm
The Bank of YouUniversity sm
TheThe
Bank of You ParadigmBank of You Paradigm sm sm
The Founder’s ReportThe Founder’s Report smsm
A Better, Smarter, Safer Way!
QLE Personal Banking SystemQLE Personal Banking System sm sm
26
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Bank Wins!The truth about
how money, credit and financing
really work
Why Banks Win The Money Game and How You Can Win Too.
27
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
“When in doubt, always assume that..., The Bank Wins”
•They are supposed to win!•It’s what they do (all financial institutions)•They are the “Casino”•The problem is …….
Principle # 1Bank Wins!Bank Wins!
smsm
28
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Rule #2 – Rule #2 – Become a bank
• Behave like a bank• Don’t do what banks want• Do what banks do
• Become your own – Become your own – Bank of You!
Principle # 1Bank Wins!Bank Wins!
smsm
29
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Registered Mortgage Advisor
Better, Smarter, Safer Way!
30
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Case Study
House Rich Cash Poor If Hubby Dies I’m Out the Door!
31
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Case Study - The Facts
Income$40,000 His Pension$20,000 IRA I/O Withdrawals$10,000 IRA Principle Withdrawals
32
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Case Study - The Facts
He’s 70 She’s 60 $500,000 F&C Home $300,000 IRA $6,000 in Liquid Reserves (Less than 1 month)
33
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Case Study - The Goals
Biggest Fear?Running Out of Money!BTW – Pension Dies with Hubby!!!
34
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Case Study – More GoalsNot Run Out of Money!Reduce Their TaxesProvide for WifeIncrease Their Liquidity
35
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Solution?
The OES sm The Optimized Equity Structure
Increase Safety & Liquidity
Protect Real Estate Equity
Reduce Taxes They Pay
36
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Solution – The OES sm
Cash for Reserves = 12 monthsCash for Payments = 10 YearsPurchased IGIC for HusbandStrategic Rollout to Reduce Taxes
The Professional Mortgage Plan sm
37
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Registered Mortgage Advisor
Better, Smarter, Safer Way!
38
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Power of Leverage
35 Years Old $200,000 Equity 6.75% ROR + Rule of 72 $1.5 Million in 30 Yrs
39
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
What Do Banks Do?What Do Banks Do?
40
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Principle # 4 – LeverageLeverage
“The result is always greater than the effort.”
• Leverage:• Multiplies the results of your efforts• Is always working for or against you
41
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Principle # 5 – ArbitrageArbitrage
“Investing at a rate of return that is higher than your cost of money.”
• Cost of Money = Principle #3Principle #3• Positive Arbitrage = ?• Negative Arbitrage = CD’s
42
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Power of Leverage
Cost = $232k @ 6.75% Initial Investment = $200k Net = $1,000,000 @ Age 65
43
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Registered Mortgage Advisor
Better, Smarter, Safer Way!
44
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
2010
Convert IRA to Roth IRA
The 4440 Tax-Free IRA The 4440 Tax-Free IRA ConversionConversion
The Mash-Up!
45
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
$4,000 x 30 Years = $120,000
$4,000 x 33% = $1,320 Taxes Saved Yearly
$1,320 x 30 Years = $39,600 Total Taxes Saved
10% Tax-Deferred Growth = $750,000 Nest Egg
The Rest of The StoryThe Rest of The Story10% x $750,000 = $75,000
$75,000 x 33% = $25,000 Taxes Due
All Your Savings Wiped Out In Just 19 Months!!!!
20+ Years = Pay 15 Times Taxes Out vs. Savings Going In20+ Years = Pay 15 Times Taxes Out vs. Savings Going In
Whose Retirement?
46
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
$ $ $ $
$ $
$ $ $ $ $ $
$ $ $ $
$ $
$ $ $ $
$ $
$ $
$ $
$ $
$ $ $ $
$ $ IGREIGRE
IGICIGIC
401Kabin401Kabin
Money Trapped In Qualified Plans Non-Qualified Alternatives
Whose Retirement?
47
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
$ $ $ $ $ $
$ $ $ $
$ $
$ $ $ $ $ $
$ $ $ $
$ $
$ $ $ $ $ $
$ $
$ $
$ $
$ $ $ $
$ $
$ $
$ $ $ $
Goal – Move QualifiedGoal – Move Qualified
ToTo
Non-Qualified AlternativeNon-Qualified Alternative
Whose Retirement?
48
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
$ $ $ $ $ $
$ $ $ $ $ $
$ $
$ $
$ $ $ $
$ $
$ $ $ $
$ $
$ $
Goal – Move QualifiedGoal – Move Qualified
ToTo
Non-Qualified AlternativeNon-Qualified Alternative
Whose Retirement?
49
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
$ $ $ $ $ $
$ $ $ $ $ $
$ $
$ $
$ $ $ $
$ $
Strategic Roll-outStrategic Roll-out
Goal – Move QualifiedGoal – Move Qualified
ToTo
Non-Qualified AlternativeNon-Qualified Alternative
Whose Retirement?
50
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Makes Sense The Day You Makes Sense The Day You Buy!Buy!
Depreciation SUPER-SIZEDNot 27.5 Years
GO Zone - 50% 1st Year
5 Years Back – 20 Years Forward
51
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
It’s Not The Rate – It’s The StrategyIt’s Not The Rate – It’s The Strategy
The Professional Mortgage PlanThe Professional Mortgage Plan sm sm
A Better, Smarter, Safer Way?A Better, Smarter, Safer Way?
Whose Retirement?
52
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Registered Mortgage Advisor
Better, Smarter, Safer Way!
53
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Strategy #2Strategy #2
What If…• You Could Pay Off Your Mortgage in 7-10 Years?• You Could Become Debt-Free in 6-12 Months?• You Could Harvest Equity More Quickly ?
• Destructive Debt vs. Productive Debt
54
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
HEAP!HEAP!Strategy #2Strategy #2
55
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Registered Mortgage Advisor
Better, Smarter, Safer Way!
56
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
??If there was tool to provide you with debt-free
cash, would you want to know about it?
??If you were able to receive debt-free cash, what
could it help you to accomplish?
Strategy #3Strategy #3
57
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
EquityKey
• Not A Reverse Mortgage• Not A Loan• Not Use Current Equity• Not Repaid, With Some Restrictions
58
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
What is EquityKey?
EquityKey will provide debt-free cash today
in exchange
for a percentage of the
future appreciation
of the property.
Current equity remains the Homeowner’s
Strategy #3Strategy #3
59
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Revenue ToolboxThe Revenue Toolbox
Why Use The Equity Key?
• Those That Need Money• Those That Don’t, But ….
• Missed Fortune – Enhancement/Alt• Estate Planning – ILIT
Life Insurance for Death Benefit?
Leveraged Premium Financing• LTC – Purchase/Alt• Asset Protection• Charitable Giving• College Funding• Down Payments – Themselves or Children
60
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Optimizing Real EstateOptimizing Real Estate
The Revenue ToolboxThe Revenue Toolbox
Why Use The Equity Key?
• No Cost To Client To Obtain• No Cost To Client To Keep• Variety of Real Estate
Primary, Vacation, Rental, Commercial
61
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Revenue Toolbox
• EquityKey• GO Zone• Many, Many More
Together We ARE Better!62
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Why Aren’t My Other Advisors Talking About Why Aren’t My Other Advisors Talking About These Concepts?These Concepts?
• They Can’t!• NOT your financial planner• Not your CPA• NOT your Attorney• NOT your current lender• NOT your friends and family
None of them has the tools, systems & strategies YOU NEED
63
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Good to Great- Jim CollinsGood to Great- Jim Collins
The Bank of You ParadigmThe Bank of You Paradigm sm sm
What’s Next?
BHAGBHAG64
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
Contact MeInfo@Rebiz.com
www.MoneyNation.org
65
Copyright © 2006 Randy Luebke’s
Academy of Mortgage Planning sm
All Rights Reserved
The Bank of You Paradigm sm – The Professional Mortgage Plan sm
A Better, Smarter, Safer Way…
The Wealth Management TeamAll Working Together
To Help Our Clients Make
Better, Smarter, Safer ChoicesSo that they can Live
Less Stressful, More Fulfilling Lives66
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