01 . 14 . 16


The planning and preparation that accompanies the home buying process can be as daunting a task as finding the right home. However, Ryan Stafford of PS Platinum helps you identify the questions that need to be asked so you can answer them. With his partnership with the advisers at 20/20 Financial, he can ensure you protect your assets as well as your long-term financial goals.

How do you begin the home buying process?

Stafford says most buyers want to know if now is the right time to buy or if a particular home is a great value.

However, when he meets a potential client, he starts with a few questions:


#1 What are your main motivations and goals for purchasing a home?

#2 Have you met with a lender for pre-approval?

#3 Have you met with a financial planner to ensure your portfolio is ready?


Whether potential clients are tired of renting or looking for an investment property; whether their family has outgrown the current home or they want to downsize; whether they want a fixer or turn-key home, Stafford stresses the importance of connecting a team of experts. Doing so will provide his clients with a holistic understanding of their entire financial situation and how the home will impact their short-term and long-term goals.

How Will a New Home Purchase Impact Financial Plans?

Here’s a list of questions the team at 20/20 Financial typically starts with as they strive to understand the goals and motivations of their potential clients:


#4 What are your biggest financial concerns? What keeps you up at night?

#5 What can you afford considering insurance and property taxes?

#6 Do you have enough income to cover the mortgage payments?

#7 What can you do to improve your credit?

#8 Emergency funds, do you have enough?

#9 How will this purchase impact future goals like college education and retirement?

Achieve a Holistic Understanding of Financial Goals

Along with different preferences for bedrooms, school districts, amenities and more, Stafford strongly believes in preparing his clients to succeed in the current situation and down the road as the market changes, life goals shift and milestones come and go.

To get the most out of the process, the collaboration between real estate agent and financial adviser can help you develop a holistic understanding of your current situation and future plans.

Now that you have a better grasp on what it takes to get started, watch the full video and come back to check out the rest of the articles in this series to maximize your potential investment and protect your assets by connecting with a network of experts.

Reach out to Stafford for any and all of your North County San Diego luxury real estate needs.