🔹 Case Study #1: Preserving AUM During a Home Purchase
Scenario:
A high-net-worth client of a financial advisor in Orange County needed to purchase a new primary residence. The advisor feared the client would liquidate over $500K in managed assets to fund the down payment.
Solution:
Robert partnered with the advisor to structure a tailored mortgage solution using income-based qualification and assets as reserves—without forcing liquidation.
Result:
✅ $500K in AUM preserved
✅ Client qualified without disrupting investment or tax strategies
✅ Advisor retained full control of the assets and deepened client trust
“Without Robert’s planning, my client would have sold off a significant portion of her portfolio. Instead, she got the house—and I kept the assets under management.”
— Financial Advisor, Newport Beach
🔹 Case Study #2: Unlocking Investable Cash Flow in Retirement
Scenario:
A retired couple in San Diego had significant home equity but low monthly cash flow. Their advisor was concerned about the sustainability of their drawdown strategy.
Solution:
Robert implemented a mortgage repositioning strategy using a reverse mortgage with no required monthly payments—freeing up over $3,000/month in liquidity.
Result:
✅ $3,000+ in monthly cash flow unlocked
✅ Reduced portfolio withdrawals by over $36,000/year
✅ Extended client plan longevity by 7+ years
“This one move changed the entire trajectory of their retirement income plan.”
— Financial Advisor, La Jolla
🔹 Case Study #3: Mortgage Planning for a Tax-Efficient Exit
Scenario:
A business-owning client was preparing to sell their company. The advisor needed a plan to buy a new home before the liquidity event—without triggering unnecessary taxes or debt burden.
Solution:
Robert designed a low-doc mortgage leveraging future liquidity and deferred income. He coordinated with the advisor and CPA to ensure the mortgage plan aligned with upcoming capital gains strategy.
Result:
✅ Avoided premature asset liquidation or tax acceleration
✅ Enabled pre-sale home purchase with minimal friction
✅ Strengthened advisor’s role as a holistic planner in the client’s eyes
“Robert’s ability to coordinate with our tax and estate plan made all the difference. He didn’t just ‘get it done’—he made us look good.”
— Financial Advisor, Pasadena
