Thach Nguyen - Financial & Real Estate Services

Do you have concerns or interests in Investing, Retirement, Life Insurance, Real Estates, College Planning or College Savings?

With my credentials and diverse backgrounds, I’m confident to provide you with the best comprehensive individualized service to meet your different needs. I provide consultation on the following areas:

FINANCIAL SERVICES:

1) Investment Advisor Representative:
a) Provide investment-related advice: The Power of Time, Rule of 72, Compound Interest, Risk vs. Reward, Diversification, Asset Allocation, Dollar Cost Averaging, Rebalancing, Traditional 401(k) vs. Roth 401(k), Traditional IRA vs. Roth IRA, Tax Now vs. Tax-Deferred vs. Tax-Advantaged, Investment Options (Fixed Products vs. Variable Products), Life Insurance Options (Fixed Products vs. Variable Products), College Savings Options

b) Assets Under Management (AUM): Digital Investment Program, Active Money Management

2) Registered Representative:
a) Investment Company Products: Mutual Funds

b) Variable Contracts Products: Variable Life Insurance, Variable Universal Life Insurance, Variable Annuities

3) Life, Accident & Health Insurance Agent: Term Life Insurance, Whole Life Insurance, Index Universal Life Insurance, Long-Term Care (LTC), Fixed Annuities

4) College Consultant:
a) College Planning: Career Interest Assessment, Skills Confidence Assessment, Work Values Assessment, Career Selection, College Selection

b) College Savings: College Costs, College Saving Options (529 College Savings Plan, Coverdell Education Saving Plan, UGMA & UTMA Custodial Accounts), Free Application for Federal Student Aid (FAFSA), Financial Aid Package, Expected Family Contribution (EFC) (i.e. Types of Assets Excluded from EFC)



REAL ESTATE SERVICES:

1) Real Estate Agent:
a) The Buying Process: Buyer Questionnaire, Find the Right Home, Comparable Market Analysis (CMA), Disclosures, Negotiations, Submitting an Offer, Escrow, Contingencies, Title Insurance, Homesowner Insurance, Downpayment Funds, Sign-off Appointment

b) The Selling Process: Seller Questionnaire, Disclosures, Working with Title Company, Marketing Strategies, Activity vs. Timing, MLS Listings, Staging, Open House, Review Offers, Contingency Period, Sign-Off Appointments, Capital Gains Tax, 1031 Tax-Deferred Exchange

2) Mortgage Loan Originator Consultant:
a) The Mortgage Loan Process: Buyer Financial Questionnaire, What Can You Afford?, Pre-Qualification, Pre-Approval, Types of Loans, Mortgage Products, Credit Report, Credit Score, Debt-to-Income Ratio, Loan-to-Value Ratio, Loan Application (Form 1003), Loan Estimate, Underwriting, Closing Disclosures, Loan Funding

b) Refinancing: Rate & Term Refinance, Cash-Out Refinance

c) Home Equity Line of Credit (HELOC)