SCENARIO: A frugal young couple had worked and saved diligently, investing wisely, and living within their means to someday purchase their first home. When the time came, their Realtor recommended they work with Warren Goldberg of Mortgage Wealth Advisors.
PROBLEM: Home values on Long Island appreciated significantly, causing anxiety over high monthly mortgage payments. Their substantial investment portfolio could be…
Why Cash Flow MattersCash flow is more than just revenue. It’s the movement of money in and out of your business. Even a profitable business can fail if it doesn’t manage cash flow effectively. Understanding how to forecast, monitor, and optimize cash flow is critical to maintaining stability and fostering growth.This guide will break down three key areas:
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SCENARIO: This homeowner worked with Mortgage Wealth Advisors when he purchased his home two years ago. At the time, rates were higher, and her house has realized significant appreciation since she closed! Over the past two years, Warren Goldberg has stayed in touch with her, checking in from time to time, offering advice and assistance when he could.
PROBLEM: This…
As I stood in front of the mirror in the courthouse bathroom, straightening my tie for the fifth time, I couldn’t help but feel the weight of the upcoming trial. Despite my academic achievements and professional experience, the anxiety was palpable. I was about to face one of Baltimore City’s most respected (and inflammatory) plaintiff’s attorneys in my first solo…
I stood frozen in disbelief as the jury forewoman read the defense verdict. My client’s simple auto accident case had seemed straightforward—liability barely contested by opposing counsel. Yet somehow, we’d lost. After the courtroom cleared, I retreated to the bathroom, straightened my tie, and faced myself in the mirror. The voice in my head was merciless: “You missed something. You…
I stood in the courthouse bathroom, adjusting my tie for the fifth time before facing one of Baltimore’s most formidable plaintiff’s attorneys in my first solo jury trial. Despite graduating top of my class and clerking for the US District Court of Maryland, my stomach churned with anxiety. The voice in my head wouldn’t stop: “You’re too inexperienced. He’ll eat…
I stood in front of the mirror in the courthouse bathroom, straightening my tie for the fifth time. Despite graduating top of my class and clerking for the US District Court of Maryland, my stomach churned with anxiety. In minutes, I’d face one of Baltimore City’s most respected and inflammatory plaintiff’s attorneys in my first solo jury trial. The voice…
The courtroom fell silent as the jury foreman announced the verdict. After an intense battle where a company’s vast resources dramatically outmatched my client and me, we secured not just a substantial verdict but also punitive damages. The company president was later fired. This case should have been the pinnacle of professional satisfaction—a classic David versus Goliath victory. Yet despite…
SCENARIO: An elderly couple could no longer manage the stairs or upkeep of their large two-story home. After selling it, they hoped to purchase a small ranch near their children. Unfortunately, they didn’t qualify for a mortgage. Their son stepped in, offering to purchase the home and be the mortgage borrower on their behalf.
PROBLEM: The son turned to his…
SCENARIO: Sixty-two-year-old homeowner is retiring. He must remain in his home for another five to ten years before he sells and moves to a modestly priced retirement community in the south. Yet his income will drop from his $100,000 salary to just $40,000 per year.
PROBLEM: His retirement budget requires $80,000 per year cashflow, at least until he sells his…
