👉Get started on your estate plan—watch our, on-demand workshop: https://www.daytonestateplanninglaw.com/what-we-do-and-how-we-help-webinar/

Todd Nerlinger of Union Savings Bank breaks down today’s mortgage market—interest rates, loan options like blanket, bridge, and asset dissipation loans—and guides first-time buyers through the process.

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Takeaways

• The mortgage market is currently tight with low inventory.
• Interest rates are volatile and influenced by various factors.
• Most borrowers prefer fixed-rate mortgages over variable rates.
• Buying down interest rates can be beneficial but requires careful consideration.
• Credit history is as important as credit scores in mortgage approval.
• Debt-to-income ratio is a critical factor in loan qualification.
• First-time homebuyers should seek pre-approval early in the process.
• Researching mortgage professionals is essential for finding the right fit.
• Specialty loan products can provide unique solutions for buyers.
• Asset dissipation loans can help retirees qualify for mortgages without high income.

Resources:

• Gudorf Law Group
• The Ohio Estate Planning Guide - Free Book
• Gudorf Law: What We Do and How We Help Webinar
• Don't Go Broke in Nursing Home Workshop
• When a Loved One Dies: A Legal Guide - Free Book
• Subscribe on YouTube

👉Get Your Free Retirement Assessment: https://gudorffinancial.com/get-started

Think you’re all set for retirement because you’ve rung up a hefty nest egg? Think again! Danny Gudorf points out that many folks with “enough” saved still drag their feet when it’s time to clock out—thanks to arbitrary rules of thumb and nagging doubts.

He breaks down the three sneaky reasons we stall, then dishes out five practical moves to flip the switch from “saving more” to “earning smarter.” Tailor these ideas to your life, and you’ll be sipping piña coladas in retirement way sooner than you thought.

Takeaways

• Many people with substantial savings are delaying retirement due to misconceptions.
• The median retirement account balance for people in their 50s is just $185,000.
• Most Americans believe they need $1.8 million to retire comfortably.
• One more year syndrome often turns into five or ten more years.
• It's not too late to catch up on retirement savings.
• Successful retirees focus on income sources rather than arbitrary savings targets.
• Knowing your exact income needs is crucial for retirement planning.
• Identifying guaranteed income sources can alleviate retirement anxiety.
• Stress testing your portfolio helps prepare for market downturns.
• Retirement readiness is highly personal and should be tailored to individual circumstances.

Resources:

• Gudorf Financial Group
• Get Your Free Retirement Assessment
• The Retire Ready Toolkit (free resource)
• Subscribe on Youtube

Thinking about estate planning? Ted Gudorf lays out exactly why your choice of attorney can make or break your plan. In this must-hear conversation, he shares eight pointed questions you need to ask every estate planning lawyer—from how they charge to how much experience they have. He also explains why setting up a trust is essential and why ongoing legal support isn’t optional—it’s critical.

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Takeaways

• Choosing the right estate planning attorney is critical.
• Ask the right questions before hiring an attorney.
• Board certified attorneys have exceptional knowledge.
• Understanding attorney fees is crucial for your budget.
• The estate planning process should feel like a partnership.
• Improper asset alignment is a common failure.
• Estate planning is an ongoing process, not a one-time event.
• Plan for long-term care needs in your estate plan.
• Experience in estate planning is invaluable.
• Trusts are essential for protecting your family.

Resources:

• Gudorf Law Group
• The Ohio Estate Planning Guide - Free Book
• Gudorf Law: What We Do and How We Help Webinar
• Don't Go Broke in Nursing Home Workshop
• When a Loved One Dies: A Legal Guide - Free Book
• Subscribe on YouTube