I am new to this forum and am looking forward to learning from all of you pros. Hopefully I will have something worthwhile to contribute as well from time to time. I ws first licensed to sell insurance in the 1980s. I have spent most of my time recently in the mortgage industy, using mortgages as a financial tool to assist people in building wealth and keeping assets liquid and safe. I now have gotten re-licensed in order to help people build wealth buy keeping their assets safe, growing, and minimizing tax consequences while maximizing liquidity, safety, and flexiblilty. If anyone has questions about how to integrate a mortgage into an overall financial plan, I would enjoy going over some basic principles. Obviously there are suitability issues that need to be considered on a case by case basis.