In this article from Best Life Magazine, a Federal Reserve Board member shows us why (with a complex mathematical model) it's better to invest in your retirement account than to accelerate payments on your home mortgage.
This is a key strategy that mortgage planners teach their clients. When you compare the difference between putting more money down on your residence or putting less down and investing your cash in a fully diversified portfolio, and contributing monthly to that portfolio instead of prepaying the mortgage, the numbers show what high net worth homeowners know and have been practicing for years. It's the difference between just becoming debt free (old strategy of paying off your mortgage) and creating wealth, and being able to pay off your mortgage from your assets.
Certified Mortgage Planning Specialists are trained to advise homeowners on these strategies and more importantly to discern if a homeowner is a candidate for equity management.