For Financial Advisors

The Largest Line Item You Don't Manage

A $600,000 mortgage at 6.25% costs your client $3,694/month for 30 years — $729,949 in total interest. That's $44K/year locked into housing during their prime earning and compounding years. The All-In-One first-lien HELOC changes that math dramatically.

Watch the Briefing: How the AIO Creates Portfolio Capacity

An 8-minute briefing on the mechanics, the math, the rate-risk analysis, and the suitability screen — built for advisors, not consumers. Watch on YouTube.

The Advisor's Edge

• Free Up Client Cash Flow: The average mortgage consumes $44K+/year for 30 years. The AIO pays off in 11–14 years, redirecting that payment to investable assets decades sooner.
• Grow Your AUM: Every dollar freed from mortgage payments is a dollar available for your management.
• Maintain Client Liquidity: Unlike extra payments on a fixed mortgage, every dollar paid into the AIO remains accessible on the line — no refinance needed to access equity.
• Holistic Financial Planning: Position yourself as the advisor who optimizes the full balance sheet — not just the investment accounts.

How the All-In-One Works

• Paycheck Deposits: Full income deposits into the line, immediately reducing the balance.
• Balance Drops Daily: Interest is calculated on the average daily balance — every idle dollar saves interest.
• Bills Paid as Usual: The client pays expenses from the same account. The balance rises only when money is spent.
• Surplus Retires Principal: The gap between income and spending automatically accelerates payoff — no extra effort.

The All-In-One is a variable-rate first-lien HELOC tied to 30-day average SOFR plus a fixed margin. Suitability is narrow: it fits households with a genuine monthly surplus and stable deposits. Jay Miller, NMLS #657301, CMG Home Loans, runs the official simulator on each client's real numbers and returns a personalized comparison with every assumption on the page.