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A substantial inheritance for your heirs? An ever-growing nest-egg that averages 5% appreciation in most markets...

Mortgage gives you the power to obtain these safer investments for only a fraction of its current value...a value that grows.

Speaking of tax, did you notice that almost all financial decisions have a tax impact? If the impact of taxes isn’t taken into consideration while making financial decisions throughout the year, you could be paying more in taxes than you would otherwise. By analyzing your current and future tax liabilities, and using tax strategies as tools to: time & manage cash flow, maximize benefits, and minimize liability—you are able to more effectively and efficiently soar to your ultimate financial destination.

Many have given generic thought to their financial future, but few have drawn up a map with clear navigation—and very few have considered how mortgage and tax can, and should, be used as tools to help efficiently reachevery financial plot-point along the way.

We can show you how being #FRIGATESTRONG will take your financial journey to new heights #SOARWITHUS

Hard facts reveal hard truths…
  • A report in MarketWatch found that about half of households currently live paycheck to paycheck
  • 20% of Americans don’t save any of their annual income at all; even those who do save, aren’t putting away a lot. (CNBC)—less than 5% of their disposable income. (LA Times)
  • Over 40% of Americans have less than $10,000 saved for when they retire. (GoBankingRates)
  • 56% of millennials don’t have any money saved in a retirement account. 39% of Baby Boomers & Gen-Xers have ZERO put away for their golden years. (PurePoint Financial )
  • Two-thirds of Americans would struggle to pay $1,000 in an emergency, according to The Associated Press-NORC Center for Public Affairs Research
  • Nearly one-third of Americans pay the minimum due on their credit card each month, according to FINRA’s National Financial Capability Study.
  • The average household with revolving credit card debt ends up paying $904 in interest annually. (Nerd Wallet)
  • 43% of Americans spend more than they receive each month, and borrow or use credit cards to finance the shortfall. (Federal Reserve)
  • According to the IRS, 25%+ of tax payers fail to claim tax entitlements they’re eligible for each year…amounting to hundreds or even thousands of dollars annually missed by each individual.
  • The Federal Trade Commission found that one in five people have an error on at least one of their credit reports.
  • The average FICO credit score is at an all-time high of 711 for 2022– Which is good, but not great.
Creditors and Lenders set their own standards for acceptable scores, but these are general guidelines:
  • A score of 740 or higher is generally considered excellent credit.
  • A score between 700 and 739 is considered good credit.
  • Scores between 630 and 699 are fair credit.
  • And scores of 629 and below are poor credit.

Which means many borrowers were likely only 20-60 points away from a lower interest rate bracket on their finance product. When considering mortgage loan products, this difference can equate to tens of thousands of dollars, or more, saved in interest costs over the life of the loan.

Not exactly “fun facts”— but they do serve as a clear depiction of the most common financial struggles felt by the majority of Americans, in one category or several. 

Frigate Financial’s Full-Scope Service offers services that communicate—an essential component to enhancing your finances with maximized efficiency, and personalized goal-driven customization.

Every financial decision should align with your unique needs and goals. To do that, your financial services must seamlessly blend and work together in the places they naturally merge— otherwise their potential is limited, and potentially even counteract one another.

Let us assist you in helping your Financial Health soar with customized services that communicate and align with your unique needs and goals, now and into the future. 

Call or Text to schedule your Full Scope Consultation, or simply submit request form below.
Features

Our Services

Taxes & Accounting

Taxes & Accounting

Managing finances & taxes efficiently can be challenging within the ever-changing complex regulations; mistakes can be costly—we offer big firm results without the big firm price.

Tax / Credit

Tax / Credit

Cash flows and Credit Health are the controlling factors of every financial decision you make-make sure your plan aligns with these realities.

Credit Score

Credit Score

Good Credit? Bad Credit? You can always receive a free Analysis to learn about the ways our Credit Soar Program could maximize your credit rating.

Credit / Mortgage

Credit / Mortgage

A credit score increase of just 100 points could saveyou thousands over the life of your mortgage.

Mortgage

Mortgage

Likely the biggest major purchase you’ll make in your life—don’t commit to a loan that isn’t committed to your financial plan. We offer free consultations to find your best option for a purchase or refinance loan program that serves your unique goals.

Tax

Let us review all your relevant financial details and goals and show you how we maximize your service results, with your goals leading the way.