For many years I have helped people to finance their homes or to lower their payments. I have worked for different banks, lenders, and a large investment advisory firm. I started as a college math professor at Miami-Dade Community College teaching all math subjects I was asked to teach at age 23, which was kind of awkward for many of my students as many of them were around my age or older but my ability to teach others and to master math helped me make difficult subjects easy to understand. That's why my classes became larger and larger. I was approached by Union Planters Bank which is now Regions Bank, one of the largest banks in the country, and worked for them as a Financial Sales Representative at one of their branches. This was an important learning stage for me that allowed me to see the value in helping others. On a daily basis, I was required to open the bank doors, open the bank vault, open personal and business bank accounts, complete home equity lines of credit and home equity loans, and many other tasks. I especially enjoyed closing home equity loans and wanted to learn more so I got my mortgage license and went to work for a mortgage company on a commission basis. Everybody was busy. There was so much work and so many banks eager to lend. A year later I started my own mortgage business and soon transitioned to a correspondent lender, which later became one of the top 100 in the state of Florida. I was able to help hundreds of people to buy a home, refinance to lower payments, and to take cash out to pay off debts or reinvest. When the economy slowed down and banks slowed down lending I decided to focus on helping investors by becoming an investment adviser. I got my series 67 license and started my own investment advisory business. Most investors had lost trust in the economy and did not want to reinvest so I decided to help others by educating them. I hope this book reaches as many people as possible and helps shape a new future for many that might feel stranded on their own without a solution.