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 Ron Them RFC, CCPS 
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Dear Financial Professional,
Are you an independent financial advisor, a CPA, or a mortgage broker who has found that the market is tough and getting good quality clients has become more and more difficult? Would you like a simple, inexpensive way to set yourself apart from all the other competition and get new clients in a market where there is literally NO competition? Would you like a way to go back to your current clients and get them do more business with you?
Hi. My name is Ron Them. And since 1992 I’ve personally trained and coached hundreds of financial advisors how to add a minimum of $3,000 a month in fees to their business and double their present commission production. How? By showing them how to become a Cash Flow Recovery Specialist using college funding as the chief target market!
But you don’t have to take my word for it. You can ask any of the 500+ advisors who have become certified in college planning over the last 4 years. In 2002 I helped launch a college planning certification program called “Certified College Planning Specialist”. Since then, the CCPS designation is nationally recognized as the ONLY certification program in college planning and can be found at: www.niccp.com.
But how can college planning and cash flow recovery help you increase your business? Let me explain further.
You’ve heard it before – there are only two things in life that are guaranteed – Death & Taxes! But death is the very reason financial advisors don’t sell more life insurance. It’s not that clients don’t need more insurance. It’s just that nobody wants to face their own mortality. You don’t – I don’t – and your clients certainly don’t!
So it stands to reason that if you want your current clients – and prospective clients - to buy more life insurance, then you need to change your focus from death to taxes.
Mortgage brokers have nearly the same problem. Mortgages are a commodity. You can get a mortgage anywhere from nearly anyone. And now that the market is going through a meltdown, successful mortgage brokers need to add more value to their offer, other than low interest rates. You need to shift your focus to home equity management. Why? You can use home equity management to fund a family’s college and retirement at the same time.
Why College Planning?
Over the last 20 years college prices have increased at a rate of 7% per year. Most of what's driving college costs higher is greater demand and little resistance from families in paying ever- loftier bills.
As college degrees become the rule rather than the exception, the burden on parents to fund a child's education continues to become more painful. The problem is that family income has only increased at a rate of 2% per year and ordinary household expenses have gone up dramatically too; such as gas, utilities, health costs, etc.
In the past, families could resort to financial aid. Today, there are more kids than ever attending college, yet federal and state financial aid has dried up. As a result, families must resort to high cost loans, and/or discontinue their retirement contributions to cover their funding shortfall. Regardless of income levels, parents are facing a growing college tuition crunch that affects their financial future from savings to retirement.
According to a national poll commissioned by Bankrate.com:
The findings of this poll show that the great majority of parents want their children to go to college and are willing to sacrifice to make it happen. Desperate to do “the right thing” for their children’s future though, families tend to make bad financial decisions regarding college that put their retirement future in harms way.
The fact is retirement is the ‘real’ problem these parents face, not college. When today’s college-bound parents are ready to retire in 20 years, Uncle Sam will most likely need to increase taxes to pay for the 75 million baby boomers that are already retired! These Boomers will be 71-80 years of age and will be:
Does anyone really believe the stock market will be up when the Boomers start to pull out their money? Does anyone really believe that their taxes won’t go up when Uncle Sam has to support those older Boomers? Where will that leave the current college-bound families 20 years from now? Will they be drawing from their retirement with higher taxes in a down market?
Families need to be re-educated!
Retirement is the real issue they need to look at, not college. It’s great to put some money into a 401k, or any other defined contribution plan – especially if the employer adds matching dollars. But I’m against putting ALL of one’s retirement savings into an account that’s 100% taxable. At a time when they need their money the most… here comes Uncle Sam for more money.
I had a very wealthy older client give me a great lesson on money a few years ago when he said:
“It’s not how much you make – it’s how much you don’t spend. Making money to me means keeping everybody’s hands out of my pocket. The rate to which you earn money can never be matched by the government’s ability to take it away.”
Why Cash Flow Recovery?
Now you can use college planning and cash flow recovery and watch your commission go through the roof while helping thousands of families in crisis. Your already proficient at analyzing income, assets and debt, I will show you how to implement my cash flow recovery program and tie home equity management and cash flow planning into college planning.
Our Cash Flow Recovery Program can help you:
Let’s take a closer look these 3 KEY points:
1. Promote your service to a hungry college-bound market
College is a very emotional issue. Public colleges average $15,000 per year and Ivy League schools are now around $50,000 per year. Education loans are expensive too! Now throw in today’s high cost of gas, utilities, food, etc. and cash flow recovery can virtually become your battle cry! Especially if families currently send their children to a private high school! So, not only is it easy to get families to talk about their kids and education costs, they’re downright desperate to do so. Over 500 certified college advisors are proving that every day.
2. Increase your clients’ cash flow by $200- $1,000 per month
CASH FLOW! It’s the lifeblood of any business. It’s the lifeblood of any individual. It’s certainly the lifeblood of any family about to send their children to college and it’s YOUR lifeblood too!
Today, most middle-income families are struggling financially with skyrocketing credit card debt, increasing income taxes, soaring health insurance premiums and gas prices, inflation, rising college costs and have very little saved for their retirement. These families 'ARE NOT' looking for a salesperson that wants them to spend even more money! They are looking for real financial planning help and guidance in financial matters from someone they can trust... And, that can and should be YOU!!!
Can you imagine any prospect not wanting to at least sit down with you and talk about “finding money” to increase their cash flow when they’re getting ready to send their children to college?
Our CASH FLOW RECOVERY PROGRAM will give you that ultimate value-added service that can get you more clients than you can handle. Imagine making the following offer to prospects who are about to send their children to college:
I’m a College Cash Flow Recovery Specialist. My goal is to save you 25% on your college costs by merely restructuring your finances using creative financial planning strategies. These cash flow strategies will add a minimum of $200 per month in cash flow to your budget, but many families end up with $1,000 per month, or more.
Can you imagine making that offer? I do it every day. Then after I make that offer, I take a quick financial synopsis (questionnaire) to be sure that I even want the prospect as a client (Yes, in college funding YOU get to pick your type A clients). After that I simply present my fee structure and wait for the client to make their decision.
What fee can you charge? The industry average is usually between $850 and $2,000. Personally, I charge $500 and $50 per month for the next four years of college. Of course the $200 per month in cash flow savings previously mentioned is a minimum. Some clients save as much as $2,000 per month in cash flow, and more! I’ve personally saved business owners over $200,000 in taxes alone to help cover their education expenses.
But that pales in comparison to the opportunity you have to get clients to invest with you because they can no longer have the excuse, “I don’t have any money.” You’re going to help them “FIND THE MONEY!” This is money that they can use to invest tax-free in order to hedge against their highly tax-exposed 401k retirement plan.
The following are samples of 8 college cash flow case studies and see how much you’ll be able to save your clients using our program!
3. Show families how to both pay for college AND put more TAX-FREE money into their retirement Actually, this is the easy part. Let’s assume you have a typical middle income family that has $150,000 in income, a home worth $350,000, a small savings, and they make the maximum contribution their 401k. The home and their 401k are the only major assets they own, which is typical for most middle income families. They have two children that will both attend a state college over the next seven years, but even those educations are projected to cost $139,000. They are very concerned that they will not be able to pay for college without robbing their retirement. Can YOU help them? You bet you can if you use cash flow recovery. You can restructure their assets and debt and better manage their taxes, expenses and 401k and in the end this family can pay for college and still end up with $35,000 plus $1,080 per month in additional cash flow they can use for retirement. Here’s a sample analysis of this case study: Click here.
And here comes the best part! The most logical tax-sheltered vehicle for a middle income family to put this money is investment grade life insurance. And one of the best ways to create the extra cash flow to purchase investment grade life insurance is home equity management. Imagine making the following offer to prospects who are about to send their children to college if you are a: Financial Advisor or Insurance Salesman: “If I can show you how to pay for college and at the same time put an extra $200 -$1,000 per month into your retirement – will you invest that money with me so I can help you take back control of your retirement money and keep the government’s hands off of it?” Clean and simple! You show them how to pay for college in their budget PLUS show them how to put a minimum of $200 per month of additional money into their retirement – which they invest with you in a tax-advantaged fund that will help them offset the tax exposure of their 401k retirement plan. Any prospect that hesitates at that offer may not be a good client anyway! But what if you are a CPA or a Mortgage Broker who does not sell investments? How can you tweak your offer to fit your business? CPA: “We will design a CASH FLOW RECOVERY PLAN for you to pay for college and at the same time put an extra $200 -$1,000 per month into your retirement and do it in a tax-efficient way to keep the government’s hands off of it.” Mortgage Broker: “We have a unique mortgage planning analysis that will show you how you recover the cash flow that you can use to pay for college AND at the same time put an extra $200 -$1,000 per month into your retirement.” Would this be the perfect scenario?
Our CASH FLOW RECOVERY PROGRAM will help you market to good quality prospects, instead of just anyone that breaths! And since many of these potential clients are middle-income families, you will be marketing to a virtually an untouched market in financial services. When you learn how to attract the right prospects to you, you’ll need fewer prospects, fewer appointments, and fewer sales! With the right prospects you’ll be able to close a higher percentage of your appointments and you’ll earn more commissions (and/or fees) from each sale simply because you will be able to help these clients better manage their cash flow to find an extra $200-$1,000 per month to invest.
The CASH FLOW RECOVERY PROGRAM is made up of three components:
1. The Cash Flow Recovery System is a complete, turnkey service that was developed from cash management techniques and creative financial planning strategies used by large corporations. The Cash Flow Recovery System a college planning training manual, a cash flow technical training guide, presentation guide, seminar PowerPoint, and marketing promotional materials. Everything you need to be proficient in cash flow recovery analysis. It also includes a calculator that allows you take data from your clients’ assets, debts, income, and household expenses and input it into a simple calculator to develop a “Cash Flow Recovery Report”; which includes a Proposed Cash Flow Analysis, a Projected Investment Portfolio Analysis, and a College Funding Analysis. These projections are then auto-populated to a SUMMARY REPORT that demonstrates how your clients can most efficiently pay for college and still be able to fund a minimum of $200 per month of additional money into their retirement. To get a more in-depth description of all the features and components covered in the Cash Flow Recovery System, click HERE: 2. The Tuition Rx program is a one-of-a-kind – tested & proven – college planning marketing system, including the TuitionRx.com college planning website and the bi-weekly College Planning News e-mail newsletter. Without a marketing plan and a continuous flow of prospects and clients coming through your door, your business will falter. The Tuition Rx college funding program will get you in more doors; get you more leads, and get you more quality appointments than any other college program on the market. AND IT’S PROVEN!! To get a more in-depth description of all the features and components covered in the Tuition Rx College Funding Marketing Program, click HERE: 3. Coaching is strategic when you want to get any new system up-and-running quickly. Many advisors make large investments in training, software and ancillary tools, but have no idea how to develop a game plan to put these tools to use. We provide you with the expertise from developing a cash flow recovery business to a marketing game plan that will convert a college funding lead into a retirement planning client. Once you enroll in the Tuition Rx Solution program, you will get all the help you need to insure your success. To get a more in-depth description of all the features involved with the coaching part of the program, click HERE: Many financial advisors successfully use Cash Flow Recovery in their college funding practice to add $3,000 per month and more in fees, in addition to their financial services commissions. Click below to see what other financial advisors have to say about our programs!
If you could really help people pay for college, put more money into their retirement, and in general help them design a better financial life – and at the same time make a good living for your family too – when would you like to start? If you answer is NOW, then I have a special offer for you. If you order the CASH FLOW RECOVERY PROGRAM in the next ten days (including the Cash Flow Recovery system, the Tuition Rx college Funding Marketing program and the coaching), the program is only:
And we’re so sure our program can help you add $3,000 per month in fess revenues to your practice that we’re not going to ask you for a yearly contract. If your not 100% happy with our program you can simply terminate your $99 monthly subscription at any time. NO QUESTIONS ASKED! Click here to ORDER the CASH FLOW RECOVERY PROGRAM NOW! If you would like to:
The join our CASH FLOW RECOVERY PROGRAM today!! Click here to ORDER the CASH FLOW RECOVERY PROGRAM NOW! If you have any additional questions, please give me a call at 614-889-5665 and I’ll be happy to further explain how college funding and cash flow recovery can dramatically increase your leads, appointments and sales. Ron Them, RFC, CCPS PS. Don’t forget to subscribe for our free report "How to Use College Funding to Market Your Financial Services Business". This free e-book will give you 153 strategies to reduce the cost of college and hopefully open you mind as to the potential of having a college funding niche in your present practice. But don’t kid yourself, when it comes to college planning strategies, this is just the tip of the iceberg. We’ve saved the best for our member advisors!!
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