Since 1994, Todd has worked with serious, growth-oriented lenders who want to expand their financial knowledge and build a business that moves beyond traditional sources, including Realtors, Builders, and existing client referrals.   He built a unique FAST System, based on a process we patented, accelerated engagement with financial advisors. It assisted over $50 billion in financing through household names such as Ameriprise, Schwab, AIG, Merrill Lynch, and more.

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Once a financial advisor, Todd Ballenger witnessed a persistent and painful truth in his industry: consumers were making huge borrowing mistakes that were costing them a fortune over time, and lending professionals were often overwhelmed and stagnant due to the constant lack of referrals from Realtors who only used them if the client wasn't paying cash.

 

Despite their expertise and dedication, many lenders felt frustrated, stuck, and exhausted in their quest for growth. Todd understood this struggle all too well. Entrusted with helping clients build their financial futures, he realized that while he could guide them through saving strategies, they were making critical mistakes with their debts that prevented them from achieving true financial freedom. He could teach others how he generated over $2 billion in financing through his mortgage company based on these simple principles.

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This disheartening reality sparked a passion in Todd to make a greater impact in the landscape of financial education. He came to recognize that the financial literacy needed to navigate borrowing, saving, and spending effectively was sorely lacking. The stakes were high; for most citizens, the most significant financial expense revolved around housing costs and associated debts. If financial advisors could unlock the key to consistently generating qualified referrals, they could pave the way for clients to master their money destinies, all while boosting their businesses.

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In response, Todd founded the Certified Liability Advisor designation and the Borrow Smart University platform. With a deep commitment to transforming the way lending professionals operate, he developed a certification course that provides a detailed roadmap to help loan officers become liability advisors and then find new referrals from financial institutions.  His comprehensive plan not only offers step-by-step guidance to get started but also guarantees results, and it has been proven time and time again—his team has helped close over $50 billion in loans at prominent companies such as Ameriprise, Schwab, AIG, Merrill Lynch, and more.

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As lending professionals sign up for the course and begin their journey, they transform. They transition from feelings of stagnation to receiving high-quality referrals, empowering them to grow their revenue and experience a sustainable income stream.

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Every month, the successes of Borrow Smart University become increasingly evident, as lenders become leaders and feel invigorated, and their clients benefit from more informed financial advice. They realize that managing liabilities effectively can substantially enhance their income, leading to true financial freedom for themselves as well.

 

Todd's journey reflects a collective mission based on three key pivots:​​