How does it work?
	Step 1: Applying industry knowledge
	The first thing we do is to apply industry knowledge. What do I mean by industry knowledge? With many years in the financial services industry, Freedom Financial Group and it’s strategic partners have developed a very keen understanding of how Mortgage companies, Banks, Credit Card Companies, Financial Services Companies, Appraisers, Credit reporting agencies and many other related financial services companies works. Many of these financial companies we have mentioned use the same tactics as a magician. A magician really doesn’t make a coin disappear. First they distract you with a hankerchief or other object to prove that there is nothing in the hankerchief or unusual about the object so they can’t cheat. That distraction sets up the opportunity to employ the second part - the manipulation. While we are looking at the handkerchief or object, making sure it is in fact a regular handkerchief or object with no secret pockets, the magician uses slight of hand to manipulate a coin or second object. They are so skillful that it seems that the coin or object disappears. We know it can’t really be true, but they are so skillful that we still can’t figure out how they did it. This type of distraction is also used regularly in the financial services industry.  We just happen to know the tricks they use and turn them into an awesome reality that’s in favor of our clients. We simply turn the distraction into the reason we can make it happen. What a great advantage!
	Step 2: We create margin
	Next, we create a “margin”. Depending on the amount and type of debt some clients are provided with a lot of margin, some have a small amount and again some may have none. The margin as we define it is simply the difference between the amount of your current payments that goes toward your debt, and the new amount of payments that will go toward your debt after we apply our expertise and the awesome results of our powerful software. In other words, margin is new found cash from either a new and better interest rate or that is created and called “hidden margin” found with the power of our amazing software. As you might guess, there are many strategies that we could use to create the margin. Some of the more common ones used in our program are: Debt Sequencing, Debt Roll-up, Rate Reductions, etc. Our staff consists of trained technicians and financial planners that, with the help of the software, calculate the margin, create the plan and offer a recommendation for each unique situation. Many of those who are refinancing or seeking a new loan or mortgage will find that the results speak for themselves.
	Step 3: Apply the margin
	First of all, you understand that if we add $100 in real cash margin to your very first monthly payment we change all the ratios. Let’s take a minute and look at the power of the margin. If a typical American family had a mortgage of $165,000.00 with a matching $1,200.00 monthly mortgage payment, and they were able to gain a cash margin of $100, and all $100 went to principal, the principal payment would be increased from $110 to $210 from their very first mortgage payment. That changes the monthly interest paid to 82% from 91%. It also means the mortgage gets paid off in 21 years and 5 months, which, believe it or not is when this loan is at a 50% principal and 50% interest when paying the regularly scheduled payments. In this scenario we have saved $90,557 in interest payments that would otherwise have been due and payable.  Can you imagine what we could do if we found even more margin?  Try us… we have many clients that have found much more. The sample below of a before and after snapshot of the Freedom Financial Group program includes the monthly $1,200 mortgage mentioned previously. In addition this family has a $1,200 per month obligation for consumer debt other than a mortgage (credit cards, auto payment, etc.).
	Typical American Family before and after the Freedom Financial Group Program Before After Savings Monthly Payment $2400.00 $2400.00 $0.00 Interest To Be Paid $270,848 $100,107 $170,741 Time In Debt 30y 0m 10y 9m 19y 1m Potential Savings $0 $932,808 $932,808

	Step 4: Auto Pilot
	Most debt elimination plans are quite sophisticated and most people appreciate not having to worry all month about making sure they execute the program exactly and properly. The discipline to correctly execute this type of plan is very difficult for most people long term. So our clients are set up with a TPA or Third Party Administrator. We give the TPA the specific plan with detailed instructions on how to execute our clients plan on a monthly basis. Our very capable TPA strategic partner is FDIC insured and has been taking care of families financial monthly payment obligations for many years.  Auto Pilot is the best part… the bills get paid… and fast!

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