Home Equity Acceleration Plans-Advisors

• Mortgage Acceleration, 5 – 10 – 15 years faster with mortgage payments
• Easily save a hundred thousand or more dollars on the average mortgage
• Clients use interest to their benefit with a HELOC or basic checking account
• No risk, no loss of control
• No tricks, no gimmicks or risk
• Compounded formulas calculated by tax professionals, written by attorney Roccy DeFrancesco, JD, CAPP, CWPP, MMB, author of H.E.A.P. ™.

• Having a monthly balance in a checking account is NOT a good idea. (Money in a checking account earns you zero or very little interest, and that interest is taxed annually).
• It is always best to use all available dollars ALL THE TIME to pay down the debt on your home.
• A good home equity acceleration plan will NOT require you to alter your spending habits.
• Understanding the following will help you understand the basics of H.E.A.P™.
• Your bank or mortgage lender charges you interest on a daily basis (many people think of mortgages as a monthly expense when it is really a daily expense).

The Benefits - a way to reduce your “daily” interest charges you can save a large amount of interest paid over the life of a loan.

There are several ways to use H.E.A.P. ™. The first way occurs with a person who has purchased the CALCULATOR for advisors. You can input your client’s numbers for a fee (we suggest $199 for the analysis and if your client requires a consultation in setting up the HELOC and checking account we suggest another $100 to $250.00).

Roccy M. DeFrancesco, Jr., JD,CWPP

As creator, author and professor of the Certified Wealth Preservation Planner, CWPP Course, Roccy specializes in the following topics.

Creator of the Following Financial Tools and Techniques

Home Equity Acceleration Plan, HEAP

C.A.L.M Analysis, Comprehensive Analysis for Liability Management

Certified Wealth Preservation Planner, CWPP

Wealth Preservation Planning (editor) by the National Association of Accountants

Roccy is the well-published and recognized author of the following books.

Home Equity Management Guidebook

How to Achieve Maximum Wealth with Maximum Security

The Doctor's Guide to Wealth Preservation

Wealth Preservation Planning

Roccy DeFrancesco's Educational Background

Bachelor of Science Degree, Embry Riddle Aeronautical University

Doctorate of Jurisprudence, Valparaiso University

Awards and Honors

Bar Certified in Indiana and Michigan

Co Founder of the Asset Protection Society

Read More About Roccy M. DeFrancesco, Jr., JD,CWPP

Roccy received his B.S. degree from Embry Riddle Aeronautical University (where he also received his commercial pilot's license), and his J.D. from Valparaiso University School of Law. Roccy is licensed to practice law in both Indiana and Michigan and is "of counsel" for DeFrancesco Law Offices.

Roccy is the Author of The Doctor's Wealth Preservation Guide and the Editor of a book titled: Wealth Preservation Planning: A "Team" Approach, by The National Society of Accountants. He has also authored a number of advanced asset protection and wealth preservation articles that have been published in Orthopedics Today, The Rake Report by PriceWaterhouseCoopers, the CPA Journal, Strategic Orthopaedics, General Surgery News, Physician Money Digest, Physician Money Digest OB/GYN Edition, MD Life Magazine, Anesthesiology News, the Indiana Bar Journal, the OH CPA Newsletter, Financial Planning Magazine, Physician News Digest, American Urological Association News, Society of Financial Service Professionals, Today's CPA, the New Hampshire Society of CPAs, Insurance Selling Magazine.

He has also lectured for the Indiana State Medical Association, Ohio State Medical Association, Academy of Medicine of Cincinnati, Mid-America Orthopaedic Association, the MI, OH, IN, and KY CPA Societies, the Orthopedic Surgeon Income Symposium, the Indiana Continuing Legal Education Forum, PAHCOM, BONES, the American Academy of Medical Management, TXMGMA, Association of American Physicians and Surgeons, the Michigan Orthodontics Association, the National Funeral Home Directors Association, Society of Financial Services Professionals, CPA/Law Forum of Illinois and the Elon University Love School of Business, the Society of Financial Service Professionals, National Association of Accountants on advanced asset protection, income and estate tax reduction and overall cost reduction issues for the medium to small business owner.

He is also on the Law Practice Management Committee for the Indiana Bar Association, and is a contributor for the Financial Services Journal.

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