Todd K. Ballenger
After graduating from the University of North Carolina, Todd began a financial planning practice in Chapel Hill, NC.
His interest in real estate and mortgage lending led to the development of a mortgage company focused on managing both sides of the balance sheet. Focusing first on cash and liability management, the savings and increased cash flow were then applied toward the future wealth of his clients. That initial vision was rolled into a public offering in 1999. NASDAQ: MDCM (mortgage.com).
Since 2000, Todd primarily consults with financial institutions to develop integrated cash and liability management strategies for their lenders and advisors. He also coaches some of the nation's top individual lenders and financial advisors to stay in touch with the real issues facing the 'bridge'. We consider the lende or financial advisors a bridge between the financial institution and the ultimate client.
Todd has worked with Charles Schwab, Ameriprise, American Express, Merrill Lynch, MetLife, Wachovia, PHH Mortgage, Everbank, Old Mutual, Jackson National, LPL, and many other financial institutions and associations dedicated to developing strategy, content, training, and tools to support their financial advisors in the management of cash, liabilities and assets.
The end goal is always the same. Provide the client with knowledge to make a more informed choice through unbiased education by providing the advisor or lender with tools and content to get the job done.
Todd travels and speaks regularly to advisors, lenders, Realtors and consumers about how they can Borrow Smart™ and increase their chances of learning to Retire Rich.
Recently Todd, and a group of financial industry leaders, started the National Institute of Financial Education (NIFE), to create a new outlet for sharing a collective vision of the role financial education may play in solving financial challenges that could easily compound just like interest.