Michigan Retirement & Financial Services Group, LLC

A happy and satisfied client “ is the by-product of doing what is right to help guide them to financial security.” Anthony M. Brooks

Anthony is a licensed Retirement &  Income Planner as well as a Certified Mortgage Planning Specialist (CMPS) which means he has been trained, certified, and continues to participate in extensive on-going education. This ensures that the financial knowledge, inside information, resources and expert advice he provides to clients helps them make the right decisions in today’s environment. Anthony is the only CMPS in Livingston County and one of approximately six in Southeastern Michigan. Less than one percent of all mortgage professionals have attained this designation in the entire country.  With over 16 years experience in the financial and real estate industry – the benefits to the clients are tangible and always  help guide them to improve  thier financial position.  With over 2500 closed transactions, and 1000 very satisfied clients, he has the knowledge & understanding to deliver expert advice.

Anthony  has been a industry leader and a member of  the executive  management team at First Horizon Bank and other financial organizations. He undertook the challenge of becoming a “Certified Coach” for the mortgage industry and over the last 10 years has mentored  and trained over 50 professionals. Anthony has conducted continuing education classes for CFP’s (Certified Financial Planners) and keeps the real estate community up to date on key changes.  Anthony continues to take an educational approach to helping his clients. Working with each client to assure they understand the options available to them, and the details of how the process works. By removing these mysteries of the transaction, clients are empowered to make decisions that help them realize their financial goals.

Anthony has owned and operated several successful small businesses, been involved in real estate investments and still currently holds his builders license. As a Branch Manager and Industry leader, these experiences and excellent understanding of the “Entire Process”  assure the clients a, “no surprises” smooth transaction.  Having spent most of his life in Michigan, he understands the values and concerns that are unique to Michiganders.  Navigating through these current challenges, requires a industry expert – Anthony has a proven track record of being that expert.  He believes in “Doing what is right for the clients - not what is easiest”  Anthony is  a  proud member of the NEB - National Ethics Bureau and has submitted to finger printing , extensive background, credit and business practices  checks.

• CMPS professionals have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies. Therefore, CMPS professionals can better advise you when it comes to:
  • Your single largest debt - mortgage
  • Your single largest asset - real estate equity
  • Life Planning needs and goals - cash flow
• CMPS professionals are trained to help you increase your cash flow
• CMPS professionals are skilled in helping you become debt free sooner and achieve true financial freedom
• CMPS professionals are equipped to help you profitably invest in real estate and protect you from mortgage and real estate investment scams
• CMPS professionals are qualified to help you implement mortgage and real estate equity strategies to help you save money on income, capital gains and estate taxes
• CMPS professionals are committed to help you improve your credit score and get the best deal on your financing
• CMPS professionals are able to explain the benefits and drawbacks of paying off your mortgage before retirement, and help you to determine which strategy works best under your individual circumstances
• CMPS professionals can guide you in implementing the best home equity and mortgage strategies for divorce situations
• CMPS professionals can help you implement a financial strategy to finance your children’s education
• CMPS professionals are equipped to better enable you to financially care for your elderly parents
• CMPS professionals are able to help you implement beneficial mortgage and real estate equity strategies before and during job or career changes
• CMPS professionals can help empower you to start or sell your business by implementing viable mortgage and real estate equity strategies
• CMPS professionals are able to recommend the proper financial strategies when you are ready to buy or build a vacation home
• CMPS professionals are committed, qualified and equipped to help you implement mortgage, cash flow and home equity strategies to build and conserve wealth when buying a home or refinancing your mortgage.
• CMPS professionals have pledged to follow a Code of Ethics

40% of all U.S. residential property sales are vacation homes and investment properties - CMPS professionals can help you avoid missing out on serving this need in the marketplace.

• CMPS members are equipped to help you increase your closing ratios and turn prospects into clients by helping them gain a greater comfort level with buying or building a new home
• CMPS members can help you learn from the auto industry how to incorporate monthly payment discussions and financing incentives into the home selling process
• CMPS members can help you close larger deals and increase your profitability by helping your clients increase their buying power
• CMPS members implement creative systems to guarantee smooth, on-time closings
• CMPS members are trained to help you diversify your business by getting involved in real estate investments both for clients and for your own account
• CMPS members can help you turn dead deals into real estate investment opportunities for your clients and big commissions for you
• CMPS members can help you build a niche with real estate investors by helping them increase their profitability and yield on investments
• CMPS members can help you sell more high-end homes
• CMPS professionals have pledged to follow a Code of Ethics

If you are not yet involved in giving your clients mortgage and real estate equity advice, someone else will take your place. Don’t miss out on this tremendous opportunity to retain your clients’ trust and loyalty while adding significant value to your advisory relationships.

• CMPS Members have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies. Therefore, CMPS professionals are an essential and highly effective member of your team in helping your clients:
  • Increase liquidity
  • Better manage their cash flow
  • Become debt free sooner
  • Achieve true financial freedom
• CMPS Members recognize your value as the quarterback of your clients’ advisory relationships and are committed to adding value to your client relationships and the holistic financial planning process
• 40% of all U.S. residential property sales are vacation homes and investment properties
  • CMPS professionals are qualified to help you advise your clients in this area
• “Exotic Mortgages” represent 25%-50% market share in today’s market
  • CMPS professionals are equipped to help you and your clients safely navigate today’s mortgage environment
• 25% of Americans in their peak earning years (ages 50-65) saved absolutely nothing for retirement last year
  • CMPS professionals are trained to implement mortgage, cash flow and home equity management strategies to help your clients better prepare for retirement
• CMPS professionals are equipped to guide you and your clients in implementing the best home equity and mortgage strategies for divorce situations
• CMPS professionals can help your clients implement cash flow and financial strategies to finance their children’s education
• CMPS professionals are equipped to better enable your clients to financially care for your elderly parents
• CMPS professionals are able to help your clients implement beneficial mortgage and real estate equity strategies before and during job or career changes
• CMPS professionals can help empower your clients to start or sell their business by implementing viable mortgage and real estate equity strategies
• CMPS professionals are able to recommend the proper financial strategies when your clients are ready to buy or build a vacation home
• CMPS professionals are able to help your clients generate tax free income during retirement and add value to various investment “withdrawal” scenarios
• CMPS professionals are equipped to protect your clients from mortgage and real estate investment scams
• CMPS professionals are qualified to help you and your clients implement mortgage and real estate equity strategies that save money on income, capital gains and estate taxes
• CMPS professionals are committed to helping your clients improve their credit score and get the best deal on their financing
• CMPS professionals can help your clients increase the safety & rate of return of their real estate assets
• CMPS professionals can help you build a niche with real estate investors by helping them increase their liquidity, tax advantages, profitability and yield on investments
• CMPS professionals have pledged to follow a Code of Ethics

You are probably already an expert mortgage planner, but take this short quiz just to be sure:

• What is the current unemployment rate in your local market and what impact does it have on home values?
• What are mortgage rates based on? (Answer is not the Fed or the 10 yr Treasury Note)
• Where are mortgage rates headed in the days and months to come and what are the trends and economic reports that will drive them up or down?
• How do you help clients evaluate various real estate settlement options during a divorce?
• How can your clients save money on income, estate and capital gains taxes when buying and selling real estate?
• What are the specific financial strategies for caring for elderly parents / senior citizen mortgage strategies?
• What are the specific financial strategies for clients who are changing jobs or careers?
• How do you help clients determine how they can most effectively finance a vacation home?
• What are the top 5 tax benefits of investing in real estate and the mortgage planning techniques that make these strategies even more profitable for real estate investors?
• Are you aware of the top 3 mortgage planning strategies that work well with 1031 Exchanges?
• How do you help clients calculate, compare and increase their rate of return on real estate investments?

If you were given the opportunity to consult with or speak in front of financial advisors or high net worth real estate investors, do you have the knowledge, skills and presentation tools to impress your audience and turn them into profitable clients?

If you’re looking for an experienced mortgage banker,  Certified Mortgage Planning Specialist (CMPS, and trusted advisor, contact Anthony today.