01
Rate changes a payment. Strategy can change a life.
Saving a few basis points is temporary. Helping a client restructure debt, improve cash flow, build wealth, or reach retirement sooner can change their financial trajectory for decades.
THE MORTGAGE PLANNING METHODOLOGY
Every broker sells the same rate. You're about to sell a net worth.
Advice Engine is the mortgage planning methodology and toolkit for brokers who want to move beyond rate conversations, provide better advice to clients, and build trusted referral relationships with financial planners.
It has tools you can use to help qualify the right clients, and provides various models to help clients who need to get pre-approved, purchase, refinance, or show them why their upcoming renewal is the time to accelerate their wealth, rather than just signing the renewal offer their bank is offering them.
That means better advice for the client that grow their wealth, stronger collaboration with their financial planner, and a much more compelling reason for planners to refer business to you.
Advice Engine is not publicly available. It is only available to mortgage brokers I work with directly.
Become an Advice Engine Broker See the methodologyIf rate is the only thing you can compare, eventually you lose the comparison.
02
A mortgage should do more than get funded.
Funding is a transaction. The real opportunity is what happens after: better cash flow, smarter use of equity, lower borrowing costs, faster wealth creation, and better financial decisions over time.
03
Real value should be visible.
Clients and referral partners should be able to see exactly how your advice improved the outcome. Not just a lower rate, but more wealth, lower net costs, stronger cash flow, and a clearer financial future.
THE METHODOLOGY
Five steps that turn a mortgage transaction into a wealth decision.
The same disciplined process, every client, every time. Designed to produce advice that is clear, measurable, and strong enough to stand up in front of a financial planner.
1. Position.
Capture the client’s complete financial picture, not just the mortgage application.
Income. Debt. Assets. Equity. Cash flow. Goals.
The client sees where they truly stand before a recommendation is ever made.
2. Model.
Compare multiple mortgage strategies side by side based on true cost, not just rate.
Payments, penalties, flexibility, taxes, debt reduction, and investment opportunities are evaluated together.
The client sees options they were never shown before.
3. Project.
Show how each strategy can affect the client’s future net worth.
Project the outcomes across multiple time horizons so today’s mortgage decision can be measured against tomorrow’s wealth.
The client sees which option can actually move them further ahead.
4. Prove.
Turn the strategy into an interactive, shareable financial report.
The client and their financial planner can see the assumptions, compare the outcomes, and understand how the mortgage integrates with the rest of the financial plan.
The mortgage stops living in isolation and becomes part of the client’s complete balance sheet.
5. Manage.
Stay engaged after funding and continuously look for opportunities to improve the outcome.
Monitor the mortgage, the market, and the client’s changing circumstances. Complete annual reviews and proactively re-engage when rates, equity, cash flow, or planning opportunities create a reason to act.
The client does not just get a mortgage.
They get an ongoing mortgage strategy.
THE TOOLKIT
Every mortgage step has a tool and process behind it.
Position
The Qualifier
Determine affordability, debt service, and overall qualification in minutes. Know quickly whether you can help the client, how much they can qualify for, and whether the opportunity is worth pursuing.
Model
Total Wealth Mortgage
the second step in a pre-approval and purchase is to show clients exactly what they qualify to buy based on their application and documents. Once we show them what they qualify for we compare purchase mortgage options side by side by payment, total cost, and projected wealth. Model how mortgage paydown and investment choices can work together, helping clients choose a mortgage that supports their complete financial plan rather than simply the lowest rate.
Project
Refinance Analyzer
Go beyond monthly savings. Show clients how refinancing can improve cash flow, create tax refunds, and potentially accelerate long-term wealth creation, reducing their effective mortgage cost far below the posted rate.
Project
Renewal Strategy
Turn a routine renewal into a strategy conversation. Compare the lender’s renewal offer against multiple mortgage and wealth-building options, helping clients see the true cost of each path and identify opportunities to lower their net borrowing cost.
Prove
Client Reports
Every client report is interactive, professional, and easy to share. You are automatically notified when a client views it, giving you better insight into engagement and the perfect opportunity to follow up.
Every tool is included the day you join.
Become an Advice Engine BrokerTHE PLAYBOOK
$20M+ funded per year. On 10 to 15 hours a week. 90% from financial planners.
This is the playbook, process, and toolset refined through six years of real-world use.
Not a manual that sits unread.
It is the actual methodology Richard built, tested, and fine-tuned inside his own mortgage practice.
Over the years, Richard has spoken with hundreds of mortgage brokers about this approach, the shift from rate selling to true mortgage planning, and what it takes to build meaningful referral relationships with financial planners.
Now, for the first time, he is opening the complete methodology, process, and tools to a select group of brokers he works with directly.
You do not just learn the theory.
You get the process Richard runs his own practice on, handed over to you from day one.
The weekly operating rhythm.
Know what happens on which day, what deserves your attention, and what does not.
Protecting the calendar protects the quality of the advice, because the strategy work never gets buried under admin.
What gets automated.
Intake, follow-up, document collection, client reminders, and renewal monitoring are built to run without you constantly touching them.
Your time stays focused on the work that actually requires your judgement.
What never gets delegated.
The strategy conversation.
The recommendation.
The advice.
Those stay with you.
Everything around them can be systemised, automated, or delegated.
The client journey, end to end.
Every step from first contact to funding, annual review, and renewal is already mapped.
Every touchpoint has a purpose.
Every handoff has a process.
Nothing important depends on memory, sticky notes, or good intentions.
You are not buying software.
You are stepping into a proven mortgage planning practice and making it your own.
This is not for everyone.
Advice Engine is for brokers who want to build a more profitable, more valuable, and more advice-driven mortgage practice.
Built for
- Brokers who want to earn referrals from financial planners, accountants, and lawyers instead of competing for the same realtor relationships.
- Brokers who want to maximize revenue per hour, not just chase more volume.
- Brokers who want to close the vast majority of the opportunities they intentionally choose to work with.
- Brokers who want deeper, longer-lasting client relationships instead of one-and-done transactions.
- Brokers who believe strategy beats rate and want the numbers to prove it.
- Brokers who want to provide life-changing financial advice, not just quote a mortgage rate.
- Brokers who want to become part of the client’s broader financial planning team.
- Brokers who care more about measurable client outcomes than transaction count alone.
Not built for
- Brokers whose primary value proposition is rate.
- Brokers chasing volume without a repeatable process.
- Brokers waiting for leads to be handed to them.
- Brokers looking for another calculator, CRM, or piece of software.
- Brokers who are unwilling to change how they operate.
- Brokers who want more files, but not better advice.
The software is not the advantage. The methodology is.
WHO YOU'D BE LEARNING FROM
Meet Richard
$20M+ a year. 10 to 15 hours a week.
Richard de Chevigny didn't start in mortgages. He spent more than two decades as a Financial Accountant and Analyst at major Canadian investment firms, watching how wealth is actually built and where it quietly leaks. Then he noticed the biggest leak of all sitting on most balance sheets, untouched by the plan: the mortgage.
So he stopped selling rates and started building mortgage plans.
Today, 90% of Richard's business comes from financial planners. Not realtors. Not ads. Not cold leads. Planners send him their clients because he does what they can't: he makes the mortgage part of the financial plan. That means freeing up cash flow, putting home equity to work, and bridging mortgage debt cleanly into retirement.
The result is over $20 million in funded volume a year, on 10 to 15 hours a week, entirely virtual and referral-only.
His keynote to BRX brokers is called "You're Wrong," and it's aimed at every broker who believes realtors are the best referral source. Most brokers fight for realtor scraps and compete on rate. Richard built a pipeline of professionals whose clients already trust them, already have assets, and already expect advice.
Advice Engine is the system behind that practice: the same qualification process, strategy comparisons and net-worth projections Richard uses with every planner-referred client.
PMP · 20+ years in Canadian investment finance · BRX Mortgage · Licensed in Manitoba and Alberta · Serving clients across Canada
- $20M+ funded per year
- 90% from financial planners
- 10 to 15 hours a week
If you're good at this business and tired of competing on rate, this is the model.
Apply to JoinIf your value is real, it should be provable.
A call is a conversation about whether this is how you already want to work. It is not a pitch, and a limited number of brokers come on at a time.
Become an Advice Engine Broker