Certified Finance Specialists Flat Rock MI

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Sam Fawaz
Y.D. Financial Services, Inc.
(734) 447-5305
47969 Inveraray Road
Canton, MI
Expertises
Tax Planning, Divorce Planning, Planning Issues for Business Owners, College/Education Planning, Ongoing Investment Management, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, BBA, CFP®, CPA, MST

New England Financial
(734) 309-7204
1208 McCormick
Monroe, MI
 
Mark Goetz
A Narrow Road, LLC
(517) 266-8281
5726 Hunt Road
Adrian, MI
Expertises
Middle Income Client Needs, Tax Planning, Retirement Planning & Distribution Rules, Cash Flow/Budgets/Credit Issues, College/Education Planning, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, CFP®, ChFc, CLU, EA, MS

Laurie Stegenga
Foresight Capital Management Advisors, Inc.
(734) 709-3771
7029 Noble Road
Saline, MI
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Advising Medical Professionals, High Net Worth Client Needs, Middle Income Client Needs, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®, CPA, PFS

Sophit Lee
Docsa Capital Management, Inc.
(269) 488-2322, Ext 2 or 4
1210 West Milham Avenue, Suite 201
Portage, MI
Expertises
Ongoing Investment Management, Middle Income Client Needs, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Investment Advice without Ongoing Management, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, CFP®

Michael Rudy
Wolakota, LLC
(734) 480-6211
878 South Grove Road
Ypsilanti, MI
Expertises
Middle Income Client Needs, Newlyweds & Novice Investors, Planning Issues for Business Owners, Investment Advice without Ongoing Management, Hourly Financial Planning Services, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, CFP®, EA, MA

Richard Feight
IAM Financial, LLC
(888) 283-1392
2164 University Park Dr.
Okemos, MI
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Middle Income Client Needs, Retirement Plan Investment Advice, Investment Advice without Ongoing Management, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Bert Whitehead
Cambridge Connection Inc.
(248) 737-7090
26111 W 14 Mile Rd Ste LL6
Franklin, MI
Expertises
Advising Entrepreneurs, Financial Issues Between Generations, Middle Income Client Needs, Advising Medical Professionals, Real Estate Investments, Tax Planning
Certifications
NAPFA Registered Financial Advisor, JD, MBA

Mark Folgmann
Ark Advisors LLC
(231) 668-4118
1010 S. Garfield Ave Suite 409
Traverse City, MI
Expertises
Planning Issues for Business Owners, Retirement Planning & Distribution Rules, Tax Planning, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, AIF, ChFc, CLU

Evelyn MacIntyre
Capelli Financial Services, Inc.
(248) 594-9282
40950 Woodward Avenue, Suite 140
Bloomfield Hills, MI
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Become a Finance Specialist

by Blanche Evans

As real estate agents search for new ways to brand themselves as specialists in the real estate transaction, training in the financial aspects of real estate buying and selling is more important than ever. A designation offered by the Residential Financing Council could be an important factor for agents who want to keep themselves at the center of the transaction.

The "Certified Finance Specialist (CFS(r) designation is designed to signify competence and experience in the area of real estate finance, says says Charles Dahlheimer, president of North American Consulting Group, Inc., and former president of REBAC and cofounder of the Accredited Buyer Representative (ABR) designation. Open to real estate and mortgage professionals, the designation is designed to bridge the link between the growth of buyer agency and a new focus on financing.

"The successful agent of the future will be recognized as a professional counselor and negotiator, one who can help the consumer interpret and evaluate information, provide advice and counsel, structure negotiating strategies and manage all aspects of the real estate transaction," says Dahlheimer.

As consumers become empowered with vast amounts of property information via the Internet, their confidence in agents hasn't necessarily grown. Brokers and agents complain across the country of commission compression, and competition from limited service or discount brokerages has put more pressure on traditional agents to distinguish themselves from low-cost competitors in new ways.

According to the "Future of Real Estate Brokerage," a study commissioned by the NAR, the number of real estate transactions has increased, but brokers are not reporting a comparable rise in profitability. In order to restore and enhance profitability, the broker will employ higher-cost technologies to serve consumers more efficiently and develop ancillary services to reduce dependence on commissions as revenue generators, all of which could result in a "a shift of power away from the agent toward the brokerage firm."

Dahlheimer sees an agent well-versed in finance as an asset to the consumer and the brokerage. The proliferation of loan products and the increase in unprincipled lenders using predatory practices, and the rise in buyer's agency all point the way to him that finance is the next great consumer opportunity.

"If the real estate agent is truly representing the buyer's best interests in the transaction, it is necessary for the agent to know what options may be available and to counsel the buyer not only in seeking out the best options, but also in helping them interpret the data that is available," says Dahlheimer.

The designation course is designed to teach agents how to detect and assist the buyer to challenge "junk" fees, to educate them about credit scoring and "A", "B" and "C" paper loans, and how to help buyers pick the loan that's best for their circumstances. Seller's agents are instructed to off...

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