Certified Finance Specialists Magna UT

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David Swapp
Net Worth Advisory Group
(801) 566-6639
9980 South, 300 West
Sandy, UT
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning, Estate & Generational Planning Issues, Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA

Robert Christenson
Net Worth Advisory Group
(801) 566-6639
9980 South, 300 West
Sandy, UT
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Advising Employee Benefit Plan Participants, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA

John Bird
Albion Financial Group
(801) 487-3700
812 East 2100 South
Salt Lake City, UT
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Financial Issues Between Generations, Advising Medical Professionals
Certifications
NAPFA Registered Financial Advisor, BA, CFA, CFP®, MBA

James Zeberlein
Z Financial Planning LLC
(800) 918-1790
2150 S. 1300 E., Suite 500
Salt Lake City, UT
Expertises
Retirement Planning & Distribution Rules, Hourly Financial Planning Services, Estate & Generational Planning Issues, Investment Advice without Ongoing Management, Insurance Related Issues, including Annuities, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Paul Winter
Five Seasons Financial Planning
(801) 272-0902
4505 S. Wasatch Blvd., Ste. 290E
Salt Lake City, UT
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Planning Concerns for Corporate Executives, College/Education Planning, Insurance Related Issues, including Annuities
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®, EA, MBA

Ray LeVitre
Net Worth Advisory Group
(801) 566-6639
9980 South, 300 West
Sandy, UT
Expertises
Ongoing Investment Management, Advising Employee Benefit Plan Participants, Insurance Related Issues, including Annuities, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®

Kent Wilson
Wilson Financial Advisors, Inc.
(801) 355-5210
50 South 600 East, Suite 250
Salt Lake City, UT
Expertises
Planning Issues for Business Owners, Advising Medical Professionals, High Net Worth Client Needs, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA

Debra Knotts
Albion Financial Group
(801) 487-3700
812 East 2100 South
Salt Lake City, UT
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Insurance Related Issues, including Annuities, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, CLU

Thomas Fritz
Wilson Financial Advisors, Inc.
(801) 355-5210
50 South 600 East, Suite 250
Salt Lake City, UT
Expertises
Ongoing Investment Management, Middle Income Client Needs, Retirement Planning & Distribution Rules, Advising Employee Benefit Plan Participants, College/Education Planning, Socially Responsible Investments
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Denise Smith
Financial Planning Office LLC
(801) 466-4101
1308 South 1700 East, Suite 208
Salt Lake City, UT
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

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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