{"id":2878,"date":"2024-02-22T13:04:20","date_gmt":"2024-02-22T13:04:20","guid":{"rendered":"https:\/\/smplmortgage.com\/?page_id=2878"},"modified":"2024-04-15T22:37:04","modified_gmt":"2024-04-15T22:37:04","slug":"what-is-a-cla","status":"publish","type":"page","link":"https:\/\/smplmortgage.com\/what-is-a-cla\/","title":{"rendered":"What is a CLA\u2122?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><em><strong>Crossing the balance sheet to improve outcomes<\/strong><\/em><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>A <strong>Certified Liability Advisor (CLA)<\/strong>\u2122 is a financial professional with specialized expertise in managing liabilities and structuring debt to complement overall financial and investment strategies.  A <strong>Certified Liability Adviso<\/strong>r is trained and continually educated to be an expert in optimizing debt management, focusing on areas such as mortgages, managing real estate equity, and integrating liabilities into comprehensive financial plans.<\/p>\n\n\n\n<div style=\"height:56px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"> <strong><em>Why Work With A CLA\u2122?<\/em><\/strong> <\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group__inner-container\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"605\" src=\"https:\/\/smplmortgage.com\/wp-content\/uploads\/2024\/03\/Z1-Fed-Stats-3-23-1-1024x605.jpg\" alt=\"\" class=\"wp-image-2958\" srcset=\"https:\/\/smplmortgage.com\/wp-content\/uploads\/2024\/03\/Z1-Fed-Stats-3-23-1-1024x605.jpg 1024w, https:\/\/smplmortgage.com\/wp-content\/uploads\/2024\/03\/Z1-Fed-Stats-3-23-1-768x454.jpg 768w, https:\/\/smplmortgage.com\/wp-content\/uploads\/2024\/03\/Z1-Fed-Stats-3-23-1.jpg 1509w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>Liability management, when incorporated effectively into a financial advisory practice, can lead to a variety of beneficial outcomes, often enhancing the overall client experience as well as the practice&#8217;s performance. Typically, six key impacts result from working with a Certified Liability Advisor (CLA\u2122):<\/p>\n\n\n\n<ul>\n<li><strong>Asset Retention<\/strong>: Collaboration with a CLA\u2122 can help clients maintain their assets more effectively, potentially preventing unnecessary liquidations to cover liabilities.<\/li>\n\n\n\n<li><strong>AUM Increase<\/strong>: Advisors may see a rise in Assets Under Management due to the strategic use of liabilities, which can lead to wealth accumulation for clients.<\/li>\n\n\n\n<li><strong>Non-Competing Professional<\/strong>: A CLA\u2122 operates in a non-competing capacity, focusing on liabilities rather than trying to manage assets, thus complementing the advisor&#8217;s services.<\/li>\n\n\n\n<li><strong>Value Add with No Expense<\/strong>: Engaging with a CLA\u2122 can provide additional value to clients without incurring extra costs, possibly enhancing the advisor&#8217;s value proposition.<\/li>\n\n\n\n<li><strong>Increased Client Engagement<\/strong>: The distinct approach of a CLA\u2122 in managing liabilities can lead to more in-depth discussions with clients, resulting in stronger engagement and relationship building.<\/li>\n\n\n\n<li><strong>Happier Client<\/strong>: Effective liability management can lead to greater financial peace of mind for clients, thereby increasing their satisfaction and happiness with the advisory service.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:55px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"> <strong><em>Integ<strong><em>rating CLA Expertise into Your Practice:<\/em><\/strong><\/em><\/strong> <\/h2>\n\n\n\n<p>For financial professionals seeking to deepen their understanding of liability management and its impact on financial planning, collaborating with a Certified Liability Advisor can significantly enhance the value provided to clients. A CLA&#8217;s approach not only encompasses traditional financial planning principles but also introduces innovative strategies for using liabilities as tools for financial stability and growth.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"458\" src=\"https:\/\/smplmortgage.com\/wp-content\/uploads\/2024\/03\/Liabilty-Mgmt.jpg\" alt=\"\" class=\"wp-image-2959\"\/><\/figure><\/div>\n\n\n<div style=\"height:66px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<h2 class=\"wp-block-heading has-text-align-center\">Our Proven Process<\/h2>\n\n\n\n<p>Partner with SMPL Mortgage and discover a refined approach to liability management through our proven Borrow Smart Repay Smart\u2122 process. Tailored for financial advisors, we align with your commitment to guide clients toward informed financial decisions and sustainable wealth growth. Here\u2019s how we work together:<\/p>\n<\/div>\n<\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"598\" height=\"550\" src=\"https:\/\/smplmortgage.com\/wp-content\/uploads\/2024\/03\/Flow.jpg\" alt=\"\" class=\"wp-image-2960\"\/><\/figure><\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Learn More Below!<\/h2>\n\n\n\n<div style=\"height:76px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<blockquote class=\"instagram-media\" data-instgrm-captioned data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/Czcac4-PlzZ\/?utm_source=ig_embed&amp;utm_campaign=loading\" 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style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/reel\/Czcac4-PlzZ\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\" rel=\"noopener\">A post shared by SMPL MORTGAGE (@smplmortgage)<\/a><\/p><\/div><\/blockquote> <script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<blockquote class=\"instagram-media\" data-instgrm-captioned data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/CxEYTVXPpAW\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/reel\/CxEYTVXPpAW\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\" rel=\"noopener\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 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style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a 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