Mission Pacific Mortgage
Robert Boladian • CMPS® • CLA® • DFPI Licensed
FOR FINANCIAL ADVISORS & WEALTH MANAGERS
Your Clients Think in Net Worth.
Do You Manage All of It?
66% of HNW net worth sits in real estate and debt — completely outside the portfolio you manage.
CMPS® · CLA® — Held by fewer than 1% of loan officers nationally.
Trained to integrate mortgage strategy with tax, estate, and investment plans. 20+ years structuring complex HNW transactions.
Client Balance Sheet — Net Worth View
| ASSETS | VALUE | MANAGED? |
|---|---|---|
| Investment portfolio | $1.8M | ✓ |
| Primary residence | $2.4M | — |
| Investment property | $1.1M | — |
| Liquid reserves | $320K | ✓ |
| LIABILITIES | ||
|---|---|---|
| Primary mortgage | $1.6M | — |
| Investment loan | $720K | — |
| HELOC | $180K | — |
| Other debt | $45K | — |
| Total Net Worth | $3.075M | ✓ = advisor manages. Greyed items = $6M in real estate and debt = 66% of net worth. Outside your view. |
|---|
The 66% Your Clients
Don't Know You're Missing.
Real estate is typically your client's largest asset. The mortgage is their largest liability. Together they represent more than half of their net worth.
Most advisors never analyze either. The ones who do retain clients, grow AUM, and win business their competitors don’t know they’re losing.
0%
of HNW net worth is outside your portfolio viewTHE OPPORTUNITY
| Feature | The “Partial” Advisor | The Differentiated Advisor |
|---|---|---|
| Investment Portfolio | ✓ Manages | ✓ Manages |
| Liquid Assets & Cash | ✓ Manages | ✓ Manages |
| Real Estate Holdings | ✗ Not Analyzed | ✓ Analyzes |
| Mortgages & Liabilities | ✗ Not Analyzed | ✓ Analyzes |
| Net Worth View | ✗ Incomplete | ✓ Complete |
The advisor who analyzes net worth — not just portfolio — retains clients, grows AUM, and wins business competitors don’t know they’re losing.
THE THREE - PILLAR VALUE STACK
01 Retain AUM
Stop capital from leaving the portfolio. Pledged asset structures keep investments intact and under your management during every transaction. Your client buys — you keep the AUM.
02 Preserve & Grow AUM
Eliminate the liquidation reflex. Asset depletion financing qualifies clients on their existing liquid assets instead of forcing a sale to increase a down payment. The portfolio stays intact.
03 Acquire New Clients
Win business your competitors don’t know they’re losing. DST transitions, legacy property exits, and complex ownership structures give you a reason to call on prospects no one else can serve.
Schedule a 20-Minute Case Review
No pitch. No obligation. One client scenario — completely analyzed.
THE FRAMEWORK
Interview. Analyze. Recommend. Become Irreplaceable.
The Scenario Desk is the structured net worth conversation guide that makes whole-balance-sheet management a repeatable part of every client relationship — not a one-time exercise.
Step 01 · The Interview
A Net Worth Conversation — Not Just a Portfolio Review
Using the Scenario Desk in a joint client meeting, you capture the full picture: real estate values, mortgage balances, liabilities, cash flow, tax bracket, goals, and risk profile. Your client sees their complete net worth — organized and analyzed — many for the first time.
Step 02 · The Analysis
Mortgage Strategy Modeled Against the Financial Plan
We run the numbers across the structures that fit— pledged asset, 1031, bridge-to-sale, asset depletion, DSCR — and model the impact on AUM, tax position, and net worth trajectory. You see the recommendation before your client does.
Step 03 · The Recommendation
You Present the Strategy. The Relationship Deepens.
You deliver the mortgage recommendation —coordinated with their tax, estate, and investment plan. We close the transaction. The client doesn’t just feel advised. They feel managed completely. That’s not service. That’s irreplaceability.
CASE STUDY ■ AUM PRESERVATION IN ACTION
$2.5M in AUM Preserved.
Portfolio Intact. Transaction Closed in 28 Days.
The Scenario Desk is the structured net worth conversation guide that makes whole-balance-sheet management a repeatable part of every client relationship — not a one-time exercise.
01
THE SITUATION
A senior wealth advisor’s client was relocating and purchasing a $4.2M primary residence. Down payment requirement: $1.2M. The capital was fully invested in a managed portfolio under the advisor’s management.
02
WITHOUT INTERVENTION
The default path was liquidation. $1.2M pulled from the portfolio, triggering a capital gains event, disrupting the investment strategy, and reducing the advisor’s AUM by $1.2M — with no plan to rebuild it.
03
WHAT ACTUALLY HAPPENED
A pledged asset loan was structured using the client’s investment portfolio as collateral. No liquidation. No capital gains event. The portfolio remained fully invested and tradeable throughout the transaction. Closed in 28 days.
04
ADVISOR OUTCOME
The advisor retained $2.5M in AUM that would have been permanently reduced. The client experienced a
seamless, coordinated transaction. The advisor became the architect of a complete financial outcome — not just the portfolio manager.
" This partnership protected $2.5M in AUM that would have been pulled for a client’s relocation.
Robert structured a pledged asset loan that kept the portfolio intact and closed in 28 days. Our client was floored — and so were we.
— Senior Wealth Advisor, RIA · San Diego, CA
WHY IT WORKS
One Conversation. Three Problems Solved.
01 Retain AUM
Down payment capital stays in the portfolio. Pledged asset structures keep investments intact — and under your management — through every transaction.
02 Preserve & Grow AUM
Asset depletion financing qualifies clients on existing liquid assets instead of forcing liquidation. The portfolio stays intact. AUM grows.
03 Acquire New Clients
DST transitions, legacy property exits, and complex real estate structures give you a reason to call on HNW prospects competitors can’t serve.
SOLUTIONS
The Right Structure for Every Net Worth Situation
Every structure is designed to optimize the liability side of your client’s balance sheet — preserving portfolio integrity, improving tax position, and growing
AUM PRESERVATION
Pledged Asset Mortgage
Client pledges investment assets as collateral instead of liquidating for a down payment. Portfolio stays invested and tradeable — with their FA — through close.
↑ Net worth preserved · ↑ AUM retained
TAX STRATEGY
1031 Exchange Financing
Coordinated financing for like-kind exchange transactions. Time-sensitive structures that protect capital gains deferral and preserve net worth.
↑ Tax efficiency · ↑ Net worth growth
TRANSITION PLANNING
Bridge-to-Sale
Clients buy before they sell — without disrupting the portfolio. No forced liquidation, no timing pressure, no erosion of net worth through rushed decisions.
↑ Portfolio continuity · ↑ Client control
PRIVACY & ESTATE
Privacy / Trust Vesting Loans
Loans structured for clients holding real estate in trusts or LLCs — coordinated with estate plan to protect and transfer net worth efficiently.
↑ Estate integration · ↑ Net worth protection
INCOME OPTIMIZATION
Asset Depletion / Non-QM
Qualification based on liquid assets rather than W-2 income — designed for retired clients, business owners, and non-traditional income earners.
↑ HNW flexibility · ↑ Advisor value-add
INVESTMENT PROPERTY
DSCR & Investor Loans
Qualification based on property cash flow — helps clients grow and optimize the real estate portion of their net worth.
↑ Real estate net worth · ↑ Portfolio diversification
TRUSTED BY VALUES - DRIVEN ADVISORS
CMPS®
Certified Mortgage Planning Specialist
Held by fewer than 1% of loan officers. Trained to integrate mortgage strategy with financial planning,
CLA®
Certified Lending Advisor
Held by fewer than 1% of loan officers. Specialized in complex HNW lending structures and
DFPI
DFPI-Licensed Mortgage Banker · California
EAB Holdings, Inc. dba Mission Pacific Mortgage. 20+ years structuring complex transactions for
Your Client’s Net Worth Is Bigger Than Their Portfolio.
Let’s Analyze All of It.
In 20 minutes, we’ll walk through one client’s real estate holdings, liabilities, and financial goals —
and build the mortgage strategy that optimizes their complete net worth while deepening your relationship.
www.missionpacificmortgage.com · Robert Boladian CMPS® CLA® · DFPI-Licensed Mortgage Banker · EAB Holdings, Inc.