Mortgage money is, by all historical measures, an inexpensive way to borrow. Consider this example: A company sells stock to fund its future, pays a rate of return on that stock and builds its financial future by having collateralized its assets. This is not considered an irresponsible act but wise fiscal policy. If homeowners can borrow money at 5.5% after taxes, then much like a company investing in its future by selling stock, they can collateralize their home and carefully use it as part of their planned portfolio.

The key point here is that by looking at your mortgage in the larger context of investment goals and risk tolerances, we can help you plan more efficiently and more effectively. Simply put, the cost of mortgage money should be carefully compared with your financial needs, and factored into you overall financial plan. That’s why all of our recommendations flow from a comprehensive analysis.