CMPS Live! is approved for *continuing education in these states:
- AR - 8 hours
- CA - 14 hours
- FL - 10 hours
- IL - 6 hours
- MD - 11 hours
- ME - 14 hours
- OK - 14 hours
- TX - 7 hours
- UT - 14 hours
- WA - 1 course
(Also accepted by CFP® Board for 13 hours of CE for CFP® practitioners)
* Disclaimer: The accredited CE hours granted by the various governing bodies from the list of States shown does not in any way constitute an endorsement by the States of the views & opinions by CMPS Institute, its instructors or authors. Nor does the list of States shown promote or recommend CMPS CE courses solely over another CE provider course. In order for you to receive CE credit from one of the above listed states, the CMPS Institute must be an approved CE provider with that state at the time you take the CMPS course.
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| Date |
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| 2008 Live Events: |
| July 28-30 |
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- 3 days of intensive, high level live training with prominent industry leaders in the areas of:
- Financial Market and Interest Rate Analysis
- Cash Flow & Debt Analysis
- Real Estate Equity Management
- Real Estate Investment Planning
- Mortgage & Real Estate Taxation Concepts
- Test-as-you-go format that allows you to complete the exam in stages after each training session
- Case Studies
- Complete CMPS™ Reference Curriculum - 18 hours of additional content on CDs for you to reference on an ongoing basis after the training conference
- Bonus speakers and sessions
- Interactive Question & Answer sessions
- This program is approved for Continuing Education Credits for loan originators in certain states* and nationally with the CFP® Board for CFP® practitioners**
This is not a sales conference!
This is a financial training conference and ongoing certification program for those who are serious about taking their income and financial knowledge to the next level.
In addition to the tremendous level of knowledge and confidence you will gain by becoming certified, your CMPS membership includes:
- Access to members-only web site with continuing education and other resources
- Ability to teach continuing education courses to Certified Financial Planners using 3 two hour templates that have been accepted by the national CFP Board of Standards...a powerful way to gain new referral partners!
- Media kit - Template press release and step-by-step instructions on how to gain recognition in your local marketplace for becoming certified
- ARM Planner™ Spreadsheets (Mortgage Coach Users Only) - 15 Excel Spreadsheets and a 90 minute audio/visual tutorial on how to use the spreadsheets.
- CMPS Certificate - When you complete the CMPS exam successfully, you will be mailed a CMPS certificate, which you can hang on your wall at home or at the office.
- CMPS Marketing Materials - Use the CMPS and Certified Mortgage Planning Specialist™ marks and logos on your web site, stationery and business cards.
- Consumer-Direct PowerPoint Presentations - can be used in consumer direct and/or real estate investor seminars. Illustrates various wealth building mortgage planning strategies and how investors can increase their rates of return on investment by working with you.
- Builder & Realtor PowerPoint Presentations - can be used in business partnership meetings or seminars with builders and/or realtors. Illustrates how you can help builders and realtors sell more homes at higher prices.
- Discounts and free trial subscriptions to Mortgage Coach, Mortgage Market Guide, Mortgage Mastery Club and other services
CFP Board Disclosure Statement:
CFP®, CERTIFIED FINANCIAL PLANNER™, are certification marks owned by Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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You are probably already an expert mortgage planner, but take this short quiz just to be sure:
- What is the current unemployment rate in your local market and what impact does it have on home values?
- What are mortgage rates based on?
(Answer is not the Fed or the 10 yr Treasury Note)
- Where are mortgage rates headed in the days and months to come and what are the trends and economic reports that will drive them up or down?
- How do you help clients evaluate various real estate settlement options during a divorce?
- How can your clients save money on income, estate and capital gains taxes when buying and selling real estate?
- What are the specific financial strategies for caring for elderly parents / senior citizen mortgage strategies?
- What are the specific financial strategies for clients who are changing jobs or careers?
- How do you help clients determine how they can most effectively finance a vacation home?
- What are the top 5 tax benefits of investing in real estate and the mortgage planning techniques that make these strategies even more profitable for real estate investors?
- Are you aware of the top 3 mortgage planning strategies that work well with 1031 Exchanges?
- How do you help clients calculate, compare and increase their rate of return on real estate investments?
- If you were given the opportunity to consult with or speak in front of financial advisors or high net worth real estate investors, do you have the knowledge, skills and presentation tools to impress your audience and turn them into profitable clients?
View Quiz Answers
Quiz Answers
- What is the current unemployment rate in your local market and what impact does it have on home values?
The current unemployment rate in your market can be found at http://www.bls.gov/lau/home.htm. This is the single largest factor in determining home values and their fluctuations. Housing prices also tend to be volatile in markets with high levels of speculative activity such as Vegas and Florida.
- What are mortgage rates based on? (Answer is not the Fed or the 10 yr Treasury Note)
Mortgage-Backed Securities
- Where are mortgage rates headed in the days and months to come and what are the trends and economic reports that will drive them up or down?
The movement of mortgage rates can be determined by carefully analyzing key economic indicators that affect Mortgage Backed Securities and the broader bond market:
- Jobs and employment reports
- Inflation reports
- The Consumer Price Index (CPI)
- Personal Consumption Expenditures (PCE)
- Gross Domestic Product
- How do you help clients evaluate various real estate settlement options during a divorce?
- Evaluate the options related to disbursement of their real estate assets prior to the divorce settlement.
- Evaluate the cash flow and home equity protection implications of various financial decisions before, during and after a divorce.
- Enhance their liquidity and protect their real estate equity from legal liability prior to going through a divorce by working together with your CPA, CFP, attorney and other advisors.
- How can your clients save money on income, estate and capital gains taxes when buying and selling real estate?
- Improve after-tax cash flow through mortgage planning strategies.
- Save money by understanding the impact of the "gift tax" when gifting or receiving real estate property and/or down payment funds
- Save money by understanding the benefits and limitations of mortgage interest deductions when you buy or refinance a property
- Save money by taking advantage of the proper tax deductions during the home buying or refinancing process
- Reduce or otherwise avoid paying capital gains taxes when selling a property
- Reduce taxable estate or avoid paying estate taxes on an inheritance involving real estate
- Find tax-advantaged investment strategies
- Utilize the lowest after-tax debt planning strategies when borrowing funds
- Calculate and compare the after-tax rate of return on an investment property
- What are the specific financial strategies for caring for elderly parents / senior citizen mortgage strategies?
- Reverse Mortgages
- Home Equity Lines of Credit
- Interest-Only Mortgages / Cash Flow ARMs
- Home Equity Management Techniques in Conjunction with Investment Management
- Strategies that involve: Annuities, Tax Free Bonds, Investment Grade Life Insurance, Other Safe, Guaranteed & Diversified Investments.
- What are the specific financial strategies for clients who are changing jobs or careers?
- Establish a reserve emergency account by refinancing or debt restructuring plan that takes place over a period of time
- 72t distribution from retirement accounts instead of borrowing or withdrawing funds prior to age 59½
- How do you help clients determine how they can most effectively finance a vacation home?
- By providing information on acquisition indebtedness and what a qualified residence is.
- If the client is not utilizing it for personal use, evaluate the cash flow implications. Additionally, by working as a team with your CPA, help determine the tax consequences.
- Restructure other debt to free up more monthly cash flow that enables the client to improve their vacation home buying budget.
- Help the client understand the before and after-tax monthly payments.
- Determine how much cash to use as your down payment and where to get these funds.
- What are the top 5 tax benefits of investing in real estate and the mortgage planning techniques that make these strategies even more profitable for real estate investors?
- Reducing Capital Gains
- Reducing Income Taxes
- Deferring Taxes
- Tax Deductions for losses
- Tax Credits
- Are you aware of the top 3 mortgage planning strategies that work well with 1031 Exchanges?
- Do not receive cash at the closing by putting a larger mortgage on the new replacement property than you had on the old one.
- Cash-out refinance to pull equity out of the property either before or after the exchange as this is not considered a taxable event as long as it is not a "sham transaction."
- Cannot exchange into or from primary homes and vacation homes, must be investment property; therefore, you could turn a vacation home into an investment property and exchange into another investment property to avoid/defer paying Capital Gains taxes on the equity appreciation.
- How do you help clients calculate, compare and increase their rate of return on real estate investments?
- Determine level of liquidity, marketability and the impact of leverage
- Evaluate the investment management issues
- Consider the tax impact of investment decisions
- Evaluate investing with the right entity
- Evaulate and reduce investment risk
- Use Internal Rate of Return (IRR) calculation
- If you were given the opportunity to consult with or speak in front of financial advisors or high net worth real estate investors, do you have the knowledge, skills and presentation tools to impress your audience and turn them into profitable clients?
Ask yourself this question
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Don't have all the answers? Don't worry! Come join the pros...and walk away Certified!
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