Cash Flow Management

In his national bestseller, The Automatic Millionaire, David Bach stresses “The only plans that work are the ones that are automatic.”  Ideal's iBillManager and iDebtManager provide the online tools that make financial success a reality by making it automatic.  iDebtManager automates the way consumers receive and pay bills to effectively accelerate the elimination of all non-asset building debt and manage cash flow.  iBillManager provides discipline, structure, convenience and controlled automation of transactional financial management.  Together, iBillManager and iDebtManager provide seamless automation of Ideal’s core CashFlow Management^© System.  We begin by entering your financial information into our proprietary software model, which analyses your financial information and generates a customized CashFlow Analysis to help you create additional cash resources, rapidly eliminate debt and build retirement savings.  As part of your CashFlow Analysis, we will evaluate a variety of additional services that could be incorporated into your CashFlow Management Plan to assess how each will truly affect your financial future.  Scroll over any of the services below to learn more. 

iBillManager – iBillManager is an online bill payment system that works with Ideal’s CashFlow Management^© and automates the way you receive and pay bills. BillManager provides structure, convenience and discipline for controlled automation of monthly debt payments. BillManager will allow you to view, pay and track all your bills online. You simply put the money into your bank each month and your bills will automatically be paid to help you save hundreds of thousands in interest expenses and begin building a solid financial future. You never write checks for your monthly debt payments again. Whether you pay your bills once, twice or ten times a month, your bills will be paid on time helping create the discipline necessary to achieve FINANCIAL FREEDOM! Metavante, a Marshall & Ilsley Corporation, manages all Electronic Funds Transfers; we never touch your money. Metavante Corporation is a technology subsidiary of Marshall & Ilsley Corporation (NYSE: MI).  

iDebtManager – iDebtManager is an online tool designed to automatically track Ideal’s CashFlow Management^© System. Through this powerful tool you will have your entire CashFlow Management^© Plan at your fingertips. You will be able to view your debt free baseline and track your progress in real time, making each step of the wealth building process automatic. When evaluating a future purchase, iDebtManager can help you see the "true" results of the purchase on your financial future. Upon payoff of a current debt, iDebtManager can help you determine the most efficient method of servicing your remaining debts and where you are in relation to your debt free baseline.  Take a tour of iDebtManager. 

Power Payment – Power Payment is one of the most important tools in aiding an individual’s efforts to accelerate the elimination of debt. It is a tool that has been used by the wealthy for years to help structure monthly debt payments. Because the wealthy could afford to hire financial planners to help administrate the payment of their monthly obligations, they created the discipline necessary for successful completion of a power payment program. Power payment strategically ranks each debt based on interest rates, balances, payments, etc. to determine the most efficient application of additional principal payments.  

Mortgage Solutions – Mortgage Solutions are a powerful way to accelerate the elimination of high interest consumer debt and turn your equity into an invest vehicle.  Ideal does not advocate the careless use of equity to payoff all consumer debt, as you are converting your unsecured debt into a secured debt spread out over a longer period of time, and therefore you will pay even more interest.  Ideal provides solutions that help consolidate higher interest debt into a lower interest equity loan but only in the amount that is right for your specific situation. We work with over 100 lenders nationwide to get the lowest possible interest rate with little or no upfront fees. We specialize in firsts, seconds, interest only, refinances and more.  

Student Loan Consolidation – Student Loan Consolidation (SLC) is a federally sponsored program aimed at consolidating federally sponsored student loans into one low interest federal loan, reducing monthly payments by as much as 40%. Student Loan Consolidation is seamlessly built into Ideal’s CashFlow Management^© System and all forbearance and deferment privileges are reset and interest may be tax deductible. 

Debt Settlement – Debt Settlement is for those who have found themselves in a hardship situation and are no longer able to afford their monthly debt obligations.  Debt Settlement puts you in the driver's seat by leveling the playing field between you and your creditors, without having to go to court. With our professional debt negotiator on your side, odds are very good that we can settle your past due unsecured debt for 50 to 60 cents on the dollar. We stop the high monthly payments on expensive credit card debt by setting you up on an affordable monthly payment schedule, which is then used to pay your remaining unsecured debt.  

Debt Workout/Credit Counseling – Debt Workout provides help to those who are struggling to afford monthly debt obligations and have found themselves in a hardship situation.  By consolidating expensive credit card debt into one affordable payment, Debt Workout reduces high interest rates, stops the harassing phone calls and reduces debt payments by as much as 50%.  Debt Workout also works seamlessly with Ideal’s CashFlow Management System.  

Tax Settlement or Offers in Compromise – Tax Settlement or Offers in Compromise allows a qualifying taxpayer to settle unpaid tax liabilities for pennies on the dollar. Our professional law office can help get you a favorable settlement with an experienced IRS tax attorney.