Today we welcome guest Todd Pettibon to discuss tips for buying a home. Here's what we cover:Optimized ways of increasing savings to be able to put a downpayment on a homePercentages of monthly income to spend on home purchase, personal savings and investmentsA few tactics to reduce unsecured debt and the importance of credit scoresHow homes are part of a person's entire net worth and are as much an of an investment and a retirement plan as they are a place to live.Meet out guest:Todd Pettibon is a Portfolio Manager for Toth Financial who is passionate about helping clients navigate through challenging market environments to achieve their long-term investment goals. As a retired Naval Aviator and former Business Strategist with Deloitte Consulting, Todd leverages over 27 years of professional experience of providing strategic portfolio and budgetary advice to senior leaders in the Defense Department. He quickly synthesizes broad and complex information that’s relevant to meet the client’s needs.Todd holds a B.S. from Massachusetts Maritime Academy, an M.B.A from the Naval Postgraduate School, and a Master of Science from the National Defense University. He’s a Series 65 licensed Investment Advisor Representative.Todd enjoy collaborating with clients to help maximize the potential for meeting their life goals through financial advice and application, while integrating relevant elements of their personal and financial circumstances into their plan.Connect with Patricia Gallardo, Associate Broker/Realtor at Real Broker>Mobile:  703.980.4594Email:  [email protected]:  http:/www.livinginloudoun.comLinkedIn:  https://www.linkedin.com/in/patriciakgallardo/Instagram:  https://www.instagram.com/patriciagallardohomes/Youtube:  https://www.youtube.com/channel/UC2wX5mpqv74fslT5BkRypdQFacebook:  https://www.facebook.com/PKGHomesConnect with Karen Daily, AttorneyOffice:  703.573.3556Email:  [email protected]:  https://www.linkedin.com/in/karendaily/Instagram:  @karenekofoTikTok:  @karenekofoFacebook:  https://www.facebook.com/KDailyEkofoConnect with Susan Banville, Senior Loan Officer (NMLS #1192567)Mobile:  703.403.8336Email:   [email protected]:  http://sbanville.embracehomeloans.comLinkedIn:  linkedin.com/in/susan-banville-255565333/Facebook:  facebook.com/susan.banville.7Instagram:  @susanbanvilleTikTok:  @susanbanville 

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