John S, a small business owner in Vancouver
For John S, a small business owner in Vancouver, mortgage payments seemed to swallow him up; he was at his wit’s end. The COVID-19 pandemic cut his income by nearly 40%, while his adjustable-rate mortgage had turned unsustainable. In over his head, with mounting debts and a family looking to him for support, what John desperately needed was a financial breakthrough.
For help, John called financial strategist Avraham Bental. The man specialized in solving very tough mortgage cases, and it showed. With one consultation, he gave a whole new direction to the matter and possible way to gain mastery over his circumstances.
Diagnostic Testing
“The first thing Avraham did was listen,” John remembers. “He asked me about my goals in terms of money, what my ups and downs were, the nature of my mortgage. He didn’t propose some cookie-cutter solution but rather worked out a program to suit my specific situation.
The key issues were quickly identified: John’s mortgage terms were not only unfavorable but also full of penalties that made refinancing an unappealing option. In addition, he had high-interest credit card debt compounding his financial challenges. The first step was to prioritize these problems and tackle them systematically.
Crafting a Solution
Avraham proposed a three-pronged approach:
- Renegotiating the Mortgage: With his negotiation skills, Avraham approached John’s lender directly. In a matter of weeks, a fixed-rate mortgage with much-reduced monthly payments was arranged. “The new terms gave me room to breathe,” says John.
- Consolidating Debt: Avraham told John to consolidate his credit card debt into a low-interest personal loan. That alone saved him hundreds of dollars in interest payments every month.
- Create a Financial Safety Net: Beyond how to get out of a bad situation, longer-term stability became the focus. John was encouraged to build an emergency fund as well as locate conservative investments and create steady income streams.
The Result
In six months, John’s finances had dramatically changed. His mortgage was down to a manageable monthly amount, he was free of all high-interest debts, and his emergency fund had built up to a small but perceptible amount. “For the first time in years, I feel like I’m in control of my finances,” John says. “Avraham didn’t just fix my problems; he gave me the tools to avoid them in the future.”
Why This Approach Works
The financial planning integrated by Avraham Bental is more than just figures. It addresses the psychological and emotional turmoil induced by financial pressures. It renders support technical as well as human in its approach, ensuring the person achieves stability and regains confidence again. “Money problems are not just dollars and cents,” says John. “They have a way of affecting your relationships, your health, and your peace of mind. Working through these problems brings relief on all levels.”.
John’s case shows that with the right guidance and structured approach, there is no financial problem-big or small-that cannot be resolved. In his long lifetime of work, Avraham Bental has helped numerous people and families overcome their financial issues-from young professionals who had been crippled by their student loans to retirees wanting to optimize their savings. And to this day, he does, making a difference in people’s lives.
At the moment, Avraham Bental works at AlpCaps, where he leads efforts in providing tailored financial strategies and solutions to clients globally. His work focuses on helping individuals and businesses manage complex financial challenges, ensuring stability and long-term growth.
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