"Those who understand interest collect it, those who do not understand interest pay it".

1. What is the Cash Flow Auditor program?

Answer: Cash Flow Auditor program is a process we designed to dramatically improve your finances without changing your current spending habits. We first audit your financials to insure that you make the best use of your current cash flow. Because debt eats up such a big portion of a business or family’s cash flow, we focus heavily on specific lending techniques designed to significantly reduce interest costs and the payoff time of the loan. But we don’t stop there! We further drill down on your financials to help you restructure your cash flow and find hidden money to improve your financial position in as little as a few months.

 

2. How does the Cash Flow Auditor Program work?
   
   Answer: The Cash Flow Auditor program uses existing banking tools, financial strategies and education on how money works to help any borrower (business or individual) save money by paying off their debt at an accelerated rate. We strategically locate and reposition idle, unused, or underused income and assets to help reduce the interest expense and the length of payoff period on any existing debt.

 

3. How does the Cash Flow Auditor program differ from other accelerated debt reduction programs?
   
   Answer: Most other programs only focus on an individual’s mortgage and sell mortgage reduction software products that cost as much as $2,000 to $3,500. Furthermore, you must learn to operate the software yourself, as they do not provide individual monthly coaching.

The Cash Flow Auditor program is a total cash flow service developed by experienced CPA’s, CFO’s and bankers and is designed to be simple and inexpensive, yet powerful. We work hand-in-hand with both businesses and individuals on a monthly basis to quickly improve their finances using proven cash flow management procedures. We identify positive cash flow that can be used to pay down debt, in addition to your current loan payments. Once implemented, we then continue to provide monthly coaching to insure that you maintain a consistent plan until your goals are met.  It’s like having your own Financial "Personal Trainer".

4. How much does the Cash Flow Auditor service cost?

Answer: The Cash Flow Auditor has two separate services, one for individuals and one for businesses. The cost to individuals to improve cash flow and dramatically lower the debt on personal loans, mortgages, and even students loans, is $599 plus $25 per month for ongoing analysis and coaching. Because business loans are a bit more complicated and the financials of a business are more sophisticated and tedious to review, the cost of our Cash Flow Auditor program for business owners is $899 plus $50 per month for ongoing analysis and coaching. Minimum one year commitment.




5. Why don’t banks and other lenders offer this type of program?
   
   Answer: Our Cash Flow Auditor program was designed by bankers and other financial experts and is based on banking and financial principles that are accepted by most banks. That being said, banks make money by lending you money and charging you interest for those loans. Our program simply provides you with the necessary tools, education and motivation to make better use your money to reduce your interest costs, instead of the lender using your money to earn more interest.

 

6. Using your Cash Flow Auditor program, how fast can I pay off my debt?
   
   Answer: It depends on your specific circumstances and your level of discipline. Positive cash flow is the key. Many of our clients are able to cut the payoff time of their loans by 10 to 20 years with the potential savings of hundreds of thousands of dollars.

 

7. Isn’t it true that during periods of inflation, debt is repaid with cheaper dollars? If so, why would I want to accelerate my debt payments?
   
   Answer: Yes, during times of inflation debt would be repaid with cheaper dollars, but it is all relative to an individual’s tolerance for debt. For most people (even in time of inflation) they would prefer to be debt free first, then have the freedom to use inflation adjusted interest rates (usually higher) to invest in relatively low risk investments.

 

8. Can I implement this type of program on my own?
   
   Answer: Absolutely. Anyone can attempt to do something similar on their own. Positive cash flow and discipline are the essential elements of our program. We find that even the most well-intentioned people lose interest if they don’t have a "coach" to keep them on track to reach their goals. Many people find it hard to maintain financial discipline and are willing to pay a small fee to have a coach keep them on track with their goals. Our program is simple to understand and our continual coaching keeps you on track to meet those goals.
9. Why would I not use the additional funds in my checking account to pay off debt, rather than establish a Line Of Credit (LOC) or Home Equity Line Of Credit (HELOC)? Isn’t that using debt to pay debt?
   
   Answer: The LOC or HELOC offers the client the opportunity to use a large lump sum to immediately reduce the principal of the loan. The interest saved by making a lump sum to the principal at the beginning of the loan period is huge, and accelerates the reduction of interest on further payments, even when taking into consideration LOC/HELOC costs. A second reason would be that most businesses or families do not have the lump sum to apply as they would with the LOC/HELOC. Thirdly, a sound risk management program should include a source of cash reserve. The HELOC or LOC can provide that needed liquidity in time of crisis.
   
   
10. Can I self-fund the program from my savings, rather than take out a Line Of Credit (LOC) or Home Equity Line Of Credit (HELOC)?
    
    Answer: Yes, but it would be advisable that you consult with a licensed financial planner before doing so. By self-funding you could avoid the cost of a LOC or HELOC, which could reduce your loan balance and potentially decrease the amount of time left to pay off your debt.
11. Do I have to take out a new mortgage or refinance my home to make this work?
    
    Answer: No. If you are satisfied with your current terms and conditions there is no need to change.

 

12. Do I have to change banks?
    
    Answer: No, it is not necessary.

 

13. Your program sounds too good to be true. What is the secret behind the Cash Flow Auditor program?
    
    Answer: There is no smoke and mirrors, magic trick or secret ingredient in our program for you to realize the freedom of being debt free. The financial experts behind our program have helped many individuals and companies dramatically reduce their debt and increase their cash flow position using proven strategies and discipline. They simply reposition your unused funds that currently earn you little or no rate of return and make that money work more efficiently for you. We do this by strategically applying these unused funds to your debt, which significantly reduces the principal balance of that debt faster. The result is that you dramatically reduce the payoff time of the loan and save thousands of dollars in interest costs. We have worked very hard to make this program simple to understand, simple to implement, and simple to follow in order to reach your targeted goal.

 

14. Is the Cash Flow Auditor program right for everyone?
    
    Answer: No. The cash flow auditor program requires positive cash flow and a reasonable level of self-discipline. This Cash Flow Auditor program provides the education, the tools, and systematic reinforcement to enhance your discipline. But, without positive cash flow and an element of discipline the program will not work for you.
    
    
15. What are my risks?
    
    Answer: The risk is quite minimal. Every dollar of interest that you don’t pay is like getting a rate of return on your money equal to the interest rate on the loan.

 

16. Can the Cash Flow Auditor fix any financial problem?
    
    Answer: No. The Cash Flow Auditor program is a tool; it is not a cure all. This program will only assist borrowers in paying down their debt at an accelerated pace, then allow that borrower use their cash flow to fund investments.

 

17. Is the Cash Flow Auditor a good program if I regularly live beyond my means?
    
    Answer: No. A critical component for the success of the Cash Flow Auditor program is positive cash flow. Another is a reasonable amount of self-discipline. If either of these components are missing the Cash Flow Auditor program is most likely not for you.

 

18. Who are the principals behind the Cash Flow Auditor?

The Cash Flow Auditor is made up of a group of CPAs, bankers, corporate CFOs and credit and lending experts, all with considerable knowledge and backgrounds in cash flow, debt, credit, and asset management.



19. Does Cash Flow Auditor have any control over my accounts?
    
    Answer: No, you are the only one who will have access to your accounts.
    
    
20. Do you make my loan payments for me?
    
    Answer: No. You make all of your loan payments. We only provide coaching suggestions and guidance.
    
21. Should I continue depositing money in my investment accounts and use those funds to reduce debt even more aggressively?
    
    Answer: The Cash Flow Auditor does not give investment advice. Please consult with your licensed financial advisor.

 

22. Does Cash Flow Auditor give any investment, financial or real estate advice?
    
    Answer: No. The Cash Flow Auditor does not give any financial, investment or real estate advice. Again, please consult with your licensed financial advisor.




23. Does my licensed financial advisor receive your monthly update reports?
    
    Answer: No, unless the client specifically requests that Cash Flow Auditor send a copy of the report to their designated advisor.

 

24. How does the relationship I create with the Cash Flow Auditor affect the relationship with my licensed financial advisor?