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Lending Clarity and Confidence 

Connecting Lenders
and Financial Advisors
since 1993

About

MY STORY

Todd Ballenger

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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.

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.

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.

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.

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.

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:

If you're a lending professional seeking to elevate your revenue, remember: you can step into a flourishing environment ripe for referrals, and Borrow Smart University is ready to guide you there. Don’t miss the opportunity to transform your business and your clients' financial futures. Sign up now to unleash your potential!

 

How?  I'll teach you how to engage insurance agents, tax accountants, and financial advisors as their liability advisor.  Complete our proven training and education to earn the Certified Liability Advisor™ (CLA) designation, then engage our FAST System. You'll find inspiring content, engaging experiences, and a fulfilling journey attending Borrow Smart University™. Don't worry, there's no risk. We offer free trip insurance. To start your FAST journey:----------------------------------------

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The FAST System

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We helped close over $3B in loan closings for a single financial advisory firm using our

FAST System and built a mortgage company that closed over $2B in retail loans working with accountants, insurance agents, and financial advisors.  We can help you profit from our experience.  Complete your CLA then monetize it directly...

The FAST System includes training, live coaching AND turn-key content.

FAST Course:

 

  • How different advisors make money, and which groups to approach first, including the best companies to target.

  • 9 Reasons why advisors won’t work with you, and the 1 reason they will.

  • How to build your list of suspects, prospects, and a system you’ll follow step-by-step to move advisors toward steady referrals.

  • How to secure advisor meetings by using your current client database.

  • What to expect from each type of referral partner.

  • What it takes to build a 10/15-loan-per-month referral business over 12 months.

  • How to interview the advisor using our DNA interview process.

  • How to leave every advisor impressed by you and your knowledge of their industry.

  • How to utilize your “Liabilities Under Management” process to 'wow' potential partners.

  • How to integrate your solutions to advisors and their annual KYC (Know Your Client) mandates.

  • The communication process you need to work with advisors before the first referral.

  • How to communicate after referrals to win more immediate business.

  • Strategies and content to engage advisors in longer-term conversations.

  • Step-by-step on how our FAST Advisory Team process works at each stage of the loan process.

  • Liability management strategies to engage clients in a way that solves problems for advisors.

FAST Strategies: 

  • FAST Strategies – turn-key marketing you can send to advisors each month that generates a steady stream of new conversations.

  • Use them to teach financial advisors, realtors, and other CE Classes - by teaching your experience through specific strategies that lead to new business opportunities.

  • One new FAST Strategy is released each month, accompanied by specific live training on the last Friday of every month, to prepare you for new opportunities.
     

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