What is Ethos?
Ethos - "the character or a person or group as manifested in their beliefs, aspirations, and actions." Ethos is the "Why" of what we do.
Strong families build strong communities. Too often, money gets in the way of families and their chances to spend time together. We want to fix that. We empower people to take back control of their money, and give them the confidence to live life on their terms. This makes them strong, #MoneyStrong.
How do we do it? We take complex financial (and therefore emotional) situations, and simplify them. We create written plans that our clients follow to success.
We are a holistic financial firm. We take a fiduciary responsibility for our clients; this means we always do what is in our clients’ best interests in all situations. And, we do everything we do with 100% honesty and integrity.
What do we do?
Home Mortgages: Conventional (Fannie Mae and Freddie Mac), FHA, VA, USDA, construction. Specialty loans include: 1% down conventional loan; less than 20% down with no MI; HomeReady and HomePossible; 40 year amortization due in 30; non-QM loans. We pride ourselves in full disclosure of fees, including our compensation, and in NO JUNK FEES. EVER. And, being a wholesale mortgage broker, we have the lowest rates in the industry.
Life Insurance: term, whole life, UL, IUL, GUL, key person, estate planning policies, BOLI, COLI, and all other types available in the industry.
Annuities: a wide range of fixed annuities, including fixed indexed annuities. We are on the Preferred providers list of Allianz, and offer many other products from the biggest annuity carriers in the industry.
Total Financial Health has been working with families to improve their financial lives. Our team is dedicated to giving our clients the resources and means to achieve financial success.