Total Financial Network

Debt Settlement (Personal Solution)
Debt settlement also referred to as debt negotiation is the process by which a debtor settles with a creditor for less than the full amount owed. The agreed upon balance is regarded as payment in full. Read More...

Bankruptcy (Personal Solution)
Bankruptcy is a legally declared or recognized condition of insolvency for a person or organization. In order to show insolvency (the inability to pay debts) an entity must pass a means test. Read More...

Loan Modification (Personal Solution)
The process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower. This is generally done when the value of the property has declined below the original loan amount. Read More...

Mortgage Resolution (Personal Solution)
The examination of loan documents for the prevalence of fraud in the origination or implementation of the loan. These findings are then used to seek legal recourse against the lender. Over 80% of the loans origination from 1999 - 2008 contain elements of fraud. Read More...

Short Sale (Personal Solution)
A short sale, in the context of real estate, describes the situation in which the sale price of a home is less than the balance owed on the property's loan and both the lender and borrower consent to the terms of sale. The agreement to short sale however may not release the borrower from obligation. Read More...

Credit Restoration (Personal Solution)
Credit Restoration also commonly referred to as Credit Repair is the process of removing incorrect or inaccurate items from an individual's credit report. Credit repair can also encompass adding good credit items and building a positive credit profile. Read More...

Loan Origination (Personal Solution)
The process by which a borrower applies for a new loan, and a lender processes that application. Origination generally includes all the steps from taking a loan application through disbursal of funds (or declining the application). Read More...

Real Estate (Personal Solution)
A piece of land, including the air above it and the ground below it, and any buildings or structures on it. Real Estate can include business and/or residential properties, and are generally sold by a realtor. Read More...

Financial Planning (Personal Solution)
Assisting in the planning and arrangement of financial affairs, such as savings, retirement provisions, tax treatment and wills. This also includes ensuring ethical practices, and creating financial stability. The end goal of is to see that ethically risk is minimized, and monetarily, that money is maximized. Read More...

Estate Planning (Personal Solution)
The process of anticipating and arranging for the disposal of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses. Read More...

Tax Services (Personal Solution)
To arrange your financial affairs to minimize your taxes. These strategies include income, deductions, and tax credits. Read More...

Investment Strategy (Personal Solution)
Includes budgeting, forecasting, taxation, asset allocation, and financial products to establish realistic goals and the strategy by which to reach them. This will include the use of several investment tools such as 401(k)/403(b), Individual Retirement Accounts, mutual funds, stocks, bonds and CDs. Read More...

Life Insurance (Personal Solution)
Life Insurance is a contract between a policy owner and insurer who upon death or other event (terminal illness) of an insured party, agrees to pay a sum of money to the policy owners designated beneficiary or beneficiaries. In return for this coverage the policy owner agrees to pay a premium. Read More...

Health Insurance (Personal Solution)
Health Insurance is a contract between a policy owner and insurer that covers against loss by illness or physical injury. This may include, covering portions of medicine, visits to the doctor or emergency room, hospital stays, etc. Read More...

Property Insurance (Personal Solution)
A package policy that provides financial protection against disasters, damage to your property and the things in it, and liability or legal responsibility for any injuries that occur in your property or a result of the use of your property. Read More...

Premium Finance (Personal Solution)
The lending of funds to a person or company to cover the cost of an insurance policy, usually provided by a third-party finance entity. Read More...

Business Development (Business Solution)
The process of incorporating a number of techniques and responsibilities, which aim to attract new customers and penetrate existing markets. Techniques also include generating new leads and developing new ways to market a product or service. Read More...

Corporate Structuring (Business Solution)
The management of recognizing the legal, ownership, and operational structure of a company, with the purpose of making the company profitable and organized to succeed. Read More...

Continuation Strategies (Business Solution)
Corporation structuring to prepare for unexpected personal circumstances that can seriously effect business productivity, such as serious illness or death of a major partner in a company. This process will give partners peace of mind from any financial impact. Read More...

Buy-Sell Arrangements (Business Solution)
A binding agreement between co-owners of a business that governs what happens if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business. Read More...

Branding / Imaging / Photography (Business Solution)
Using imaging or photography to distinguish a product or service under one specific name, sign, symbol, or slogan. Once legally protected it becomes a proprietary name. Read More...

Graphic Design (Business Solution)
The creation of visual images to promote a product, website or idea in a marketing role. Graphic design can be used in magazines, advertisements, product packaging, branding or web design. Read More...

Online Advertising (Business Solution)
The use of the internet to promote a product or service using several means including online directories, listings, banner ads, affiliate programs, and email campaigns to get the word out. Read More...

Online Public Relations (Business Solution)
Constant monitoring and security of a brand over the internet, including blogs, reports, and reviews, intended to control press both positive and negative. Read More...

Cash Free Advertising (Business Solution)
The newest form of advertising in which business owners advertise with a cost per acquisition (CPA) model, using trade and margin to pay for advertising campaigns. Read More...

National Marketing (Business Solution)
Traditional advertising model using radio, television, print and billboards to promote a product or service. Read More...

Digital Media (Business Solution)
Digital Media, also commonly referred to as digital out of home (DOOH) advertising, is a powerful marketing tool that delivers low cost, high visibility digital signage solutions. This includes targeted advertising programs when customers are in a purchasing position. Read More...

Social Media and Networking (Business Solution)
The newest form of promotion by using the internet as a major form of word of mouth through multiple social networks and media platforms, such as Facebook, Twitter, and LinkedIn. Read More...

Guerrilla Marketing (Business Solution)
An unconventional system of promotion that relies on time, energy, and imagination rather than a large budget. Consumers are usually targeted in unexpected places, which creates a unique and engaging concept to promote buzz. Read More...

Web Development (Business Solution)
The process of creating an online presence for a business. This includes domain registration, web design, programming, graphic design and hosting. Read More...

Search Engine Optimization (SEO) (Business Solution)
The process of writing a website with the specific goal of improving the volume and quality of traffic to a web page from search engines via "organic" searches. Read More...

Search Engine Marketing (SEM) (Business Solution)
A form of Internet marketing that seeks to promote websites visibility in search engine page results (SEPRs) through the use of paid placement. Read More...

Online Print Services (Business Solution)
Printing designated to assist businesses to stream line management and minimize costs associated with printing and imaging by submitting files and have prints delivered directly. Read More...

Secure Online Accounting (Business Solution)
Often referred to as "cloud" accounting, is the process of making all of you business accounting secure over the internet as opposed to a hard copy on a computer. Read More...

Remote / Virtual Hosting (Business Solution)
A method for hosting multiple domains on a single server, using a single IP address, thus allowing one machine to share resources, such as memory and processor cycles. This increases efficiency and is more cost effective. Read More...

Domain Registration (Business Solution)
The registration of domains through an accredited ICANN registrar, this is the initial step to creating your online presence. Read More...

Customer Relationship Management (CRM) (Business Solution)
A broadly recognized, widely-implemented strategy for managing and nurturing a company's interactions with clients and sales prospects. It involves using technology to organize, automate, and synchronize business processes. Read More...

Corporate Debt Reduction (Business Solution)
A process in which a business can reduce their debt to creditors and vendors with minimal court involvement, while business runs as usual. Read More...

Restoring Business Credit (Business Solution)
A process that repairs credit accumulated by a business that may have been tarnished due to over due accounts, this is repaired by challenging reporting agencies and their processes. Read More...

Building Business Credit (Business Solution)
A process that divides personal credit from corporate credit, by separating accounts and creating separate credit scores for the business. Read More...

Credit Card Processing (Business Solution)
The ability for a business to accept credit cards as a form of payment, this is done through a merchant processor, who processes the transaction and an acquiring bank, who funds the transaction. Read More...

Commercial Loans (Business Solution)
A loan provided to a business in order to purchase fixed assets, including real estate, buildings, and machinery at below market rates. These programs are created to promote the development of businesses. Read More...

Commercial Real Estate (Business Solution)
Buildings or land intended to be used to generate a profit, either from the development of business, capital gain, or rental income. This includes office buildings, industrial property, medical centers, or shopping centers. Read More...

Commercial Insurance (Business Solution)
Insurance policies that protect a business including accident, sickness, disability, workman's compensation, unemployment, casualty, life, property, liability and many others. Read More...

Compensation Programs (Business Solution)
Employee benefit programs that can be offered by an employer to their staff as an added benefit to their salary, this includes stock options, retirement planning, health and wellness programs and other forms of compensation. Read More...