
Rob Ziebart
Master Mentor
Certified Mortgage Planning Specialist & HECM Expert
Rob Ziebart brings over 24 years of expertise in mortgage planning, specializing in strategies that support retirement goals and financial longevity. As a Circle of Wealth® community member and a graduate of the MoneyTrax Mentor Program achieving a perfect score of 100% on the program’s master exam, Rob leverages his knowledge and training to empower advisors with innovative solutions that can significantly impact their clients’ overall financial health.
Leading a team of mortgage planning professionals who serve 50 to 75 families monthly across all 50 states, Rob has personally funded over 3,000 home loans in Central Florida alone. His unique approach aligns mortgage solutions with clients’ short and long-term financial goals, prioritizing efficiency and maximizing wealth potential.
As a Home Equity Conversion Mortgage (HECM) expert and educator, Rob helps dispel the myths of the extremely misunderstood reverse mortgage program, and introduces innovative strategies that integrate housing wealth into holistic retirement plans—an area the Circle of Wealth students realize holds substantial benefits for their clients. Drawing on research from the Journal of Financial Planning and the American College of Financial Services, Rob reveals proven strategies using the HECM growing line of credit as a buffer asset early in retirement to increase cashflow, reduce retirement risks, extend retirement savings, and significantly enhance financial outcomes.
Key strategies Rob shares include:
- Tax Optimization: Utilizing a growing line of credit to temporarily pay taxes on ROTH conversions, as well as create tax free distributions
- Enhanced Social Security Benefits: Delaying benefits for increased payouts and security by creating a social security bridge for income during deferral years
- Future Preparedness: Establishing funds for future healthcare needs, emergencies, as well as unexpected opportunities- Access to capital!!
- Mitigating Sequence of Returns Risk: Reducing withdrawal pressure that could exhaust retirement funds by creating a new pool of funds to draw from during market down years
Rob’s experience includes ranking 140th on Mortgage Originator Magazine’s Top 200 list, ahead of over 300,000 mortgage professionals, a testimony of his hard work ethic and dedication to impactful, client-centered solutions. His insights offer financial advisors new approaches to strengthen their clients’ financial resilience and overall retirement success. Rob is excited to share how the Circle of Wealth® program, community, and tools have revolutionized his business.