Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
Broken down by categories and subcategories for easy finds
Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
Sign up for the Daily Drop so you don't miss out on AR's daily happenings
Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
And if by chance you don't find what you're looking for, start a new group today!
Get your content in front of more eyes
Search by location or type
Feel free to start your own group
Find some that are close to home and close to heart
Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
for retirement or looking to invest in the real estate market? Talk to a Certified Real Estate Wealth Agent
and see how they can help you invest wisely and get more profit from real
If you would
like to be able to retire sooner and not worry if you have enough money,
learn more at HowToRetireHappy.com.
you for joining us at BrokerIPTV. I
am here today with Mark Eibner and Jeff Sibel,CFP- aCertified Financial Planner. So, tell me
a little bit about what makes your real estate financial planning practice so
Jeff Sibel: Well, I'm a real estate based financial planner, so I show people how to retire early with less money invested
and essentially no financial planner out there does that. So that's what makes me
Mark Eibner: Yeah, I am a real estate broker, I've been practicing for 27 years and I have
always been intrigued by the financial service or financial planning part of
real estate and how it can be; it can really bring an integral part in peoples'
lives, you can be a big part of their lives.
Interviewer: Oh, so tell me what is a Certified Real Estate Wealth Agent?
Jeff Sibel: A Certified
Real Estate Wealth Agent is a real estate agent that basically helps their
clients accomplish their goals by using a financial planner, in every step of
their lives. So it could be buying or
selling their first home, buying and selling investment property or buying and
selling real estate inside their IRA or 401K.
Interviewer: So Mark, how
does this apply to real estate brokers and what makes them so successful?
Mark Eibner: Well I
think that being a certified real estate wealth agent can bring a lot to the table
for a real estate broker. First of
all, it is going to allow the broker to be involved in, let's just say a multi-transactional
lifestyle over the course of the consumer.
Most agents today are just used to really kind of sell them a house,
sell a condo, and you wait five to seven more years before you do anything else.
lot of our agents are actually working with certified financial planners such
as Jeff and helping people look at the fact that their IRAs or 401Ks or Roth's-
any of these products out there can actually hold real estate inside them as
far as the financial tool. Real estate has a lot of very good potential; some
of the best potential out there has been used by kings and queens for thousands
of years as far as real retirement.
Interviewer: Now Jeff I heard Mark say earlier that only
about 2% of all Americans over the age of 65 actually retire financially
independent, can you tell me about that?
Jeff Sibel: Yeah, it's tragic, most people they don't
even know they are investing the wrong way, they don't have clearly defined
investment goals and essentially, they just think they will be able to retire
So the first
problem is, they can never save their way to retirement. The second
problem is they live off their assets from the assets that they have saved up
to be able to retire and unfortunately most cases they live too long and
outlive their money.
So real estate
when you buy real estate you buy enough real estate that will provide the income
you need and then you live off that income. Whereas, traditional investors unfortunately
live off the principal of their investments and that's the tragedy.
Interviewer: So Mark, what can wealth agents do that really
has an impact on people's lives?
Mark Eibner: Well kind of playing off those numbers that
you mentioned there with Jeff.
got a trademark model that we are working with 75, 65, 23, 2. So if you look at
those numbers 75% of the people today over the age of 65 in America today right
now basically are dependent on government charity, family or church to survive
until death. Another 23% are going to have to be greeters at Wal-Mart. So 23% of the richest nation on the earth would
have to work from now from 65 till death or disability.
Only 2% if you don't
count any type of government assistance are
actually financially viable, financially free- they actually wake up with a
mailbox check. And sadly that minimum number to even get in that window is
about $45,000 a year. So a lot of people have got to ask themselves, based on
what you are making right now for an income of $45,000 that's sort of the
bottom threshold of that wealthy 2%.
when we are working with agents out there, I think the biggest thing is for somebody
to just retire with that number, $50,000 a year, let's say in income; it amounts
at least in Denver, Colorado to about $700,000 worth of real estate. So $700,000
worth of real estate in a family's retirement portfolio is somewhere around $20,000
to $25,000 in commissions.
Interviewer: So, what allows Certified Real Estate Wealth
Agents to earn so much more than the national average?
Jeff Sibel: Well, I think what we have done is
incorporated some of the tactics and techniques that financial planners have
used throughout the years. As far as
really looking at the whole holistic part of the consumer; helping people save,
helping people invest, and really taking a look at what's available to them on
the outside world. Most people, another
statistic is the average American spends less than two hours in their life time
on their financial plan. Two hours.
Mark Eibner: Yeah most people just go to work to get a
401K, some guy comes in, gives him an employee thing- here take this, buy some
mutual funds- that's the extent of their financial planning, pretty sad.
Interviewer: It is...
Jeff Sibel: It's tragic.
Interviewer: So Jeff, I understand you're published
author, tell me a little about that?
Jeff Sibel: Yes, well thank you, I have basically three
publications that can be found on my website.
It's the 15 Minute Retirement Planning
Guide, The 21 Worst Retirement
Planning Mistakes and Mark and I go over that with people everyday just
avoiding one of those mistakes can change peoples' lives. And then I also have The Real Estate Retirement IRA Planning Guide
and that's for people to understand how to buy real estate inside their IRAs,
401Ks and pension plans. It's pretty good stuff.
Mark Eibner: Yeah and I love The 15 Minute Retirement Plan,
it's a great piece. We do drop-bys with clients all the time and that's the
main piece we use to have people look at. "Wow, what can we do with real estate?"
"What am I doing now with my existing financial products?" etcetera. So really,
in a half hour appointment, it opens up the door to many other financial
options for that real estate broker and the family.
Jeff Sibel: See and what I do is with that 15 Minute Retirement
Plan, what Mark is saying is, they dial in on the fact that they will not
be able to retire; they will be poorer than 98%- if they don't change what they
need to do. So if they change what they
do that's when things change for their lives, and for their children's lives
and they can leave a legacy.
Jeff Sibel: Yeah I am very proud of that. I'm going to be
able to pay it forward to thousands of realtors to be able to understand how to
retire happy and how to show their clients how to retire happy. So it's pretty
exciting, very exciting.
Interviewer: Definitely, so Jeff where do we get on to get
more information on this?
Jeff Sibel: Yes, all you have to do to go is go to HowToRetireHappy.com-
that's HowToRetireHappy.com- and essentially they can get the three books and
then sign up for more information.
Interviewer: Wonderful, thank you for joining us on BrokerIPTV. For more real estate related videos, please
feel free to go online to Broker IPTV.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.