$1,499 -

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Everything
Included

*minimum 2 years experience

Life-Changing Education

Certified Liability Advisor™

Finally, an enormous benefit of earning your CLA™ - you'll become eligible to be a member of the National Institute of Financial Education - www.niofe.org, a 501(c)3 non-profit and Google Grant Recipient. NIFE connects consumers with liability advisors across the United States. NIFE supports corporations, local businesses, high schools, colleges, and other non-profits

When you move from selling products, to solving problems, you open new doors to dramatically expand your network of influence. Borrow Smart University™ provides you with tools to leverage your time and experience in a new process of building referral sources that you never imagined possible.

Learn more about what you get!

We have organized the material into a series of 3 courses, each containing 8 working sessions with downloadable handouts and reference materials that span 720+ pages of content. The typical session is about an hour and you can stop and start at any time on any mobile device and we'll save your place. Set your own pace. We've had students complete in as little as two weeks, while most pace themselves at 2-4 hours per week to complete the program in four to six weeks. Additionally - many approach the program by working in branches, using accountability partners to practice the exercises, scripts, and sales ideas. Additionally, you'll become part of our CLA™ Facebook group to access private materials, ongoing best practices, and weekly coaching calls with other students learning the materials. There are no bad students, only bad teachers - come profit from our experience.

The CLA

™

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Designation

*minimum 2 years experience

Life-Changing Education

Certified Liability Advisor™

Borrow Smart University™ graduates obtain the Certified Liability Advisor™ designation after completing over 24 hours of personally and professionally rewarding education. Ongoing live coaching helps you integrate what you learn into your practice to maximize your investment in yourself. Key concepts reveal how Safety, Liquidity, Return, EPR™, Taxes, Leverage, and Diversification strategies can work together to increase the wealth of your borrower. You'll learn how to use a 7-Step process to solve for the right: Products, Payment, Availability, Amount, Management, Protection, and Discipline. You'll learn how to accomplish client goals in totally new ways - as you master the 3-sided balance sheet. Ultimately you won't only differentiate yourself from your competitors, but you'll learn how to play a totally new game.

You'll learn how to have the Borrow Smart Client Conversation™, to show your value in a new way. You'll learn ways to quickly analyze client liabilities and solve for unique borrowing strategies, tax ramifications of buying, selling, and refinancing residential real estate, and much more. As a CLA™ graduate, you receive content, training, and new concepts that create an unfair advantage in the markets you compete. You'll learn specifically how to better manage your own personal finances using our unique PIN/FIN™ system of building wealth. You'll learn how to begin building a referral network of financial advisors, where graduates report an incremental 2-10 referrals a month from insurance agents, tax accountants, and financial advisors.

Learn more about what you get!

Finally, an enormous benefit of earning your CLA™ - you'll become eligible to be a faculty member of the National Institute of Financial Education - www.niofe.org, a 501(c)3 non-profit and Google Grant Recipient. NIFE connects consumers with liability advisors across the United States. NIFE supports corporations, local businesses, high schools, colleges, and other non-profits.

While no single conversation is guaranteed to change the trajectory of a career, a company, a relationship, or a life,

any single conversation can.”

– Fierce Conversations: by Susan Scott

Competitive pressures can make referrals harder to find, more difficult to keep, and less profitable when they stay. We built a proven platform that distinguishes you and your services based on the value of the advice you provide - not the price that you charge. Our course is that 'single conversation' that has time and again changed the trajectory of a loan officer's career.

The unique approach we teach was used to build a $2B mortgage corporation focused on working almost exclusively with financial advisors, insurance agents, and accountants. You'll learn how to build a stream of purchase and refinance referrals from these three groups of advisors AND grow business from Realtors and existing clients as you become a
Certified Liability Advisor™.

We 100% guarantee that you will not be the same person that begins these classes. If you complete the entire course and don't believe you have truly discovered an edge that differentiates you from your competition, we'll refund your tuition.