CERTIFIED LIABILITY ADVISOR
the
National Institute of Financial Education
Time to Think Different
01 about the National Institute of Financial Education
A 501(c)(3) non-profit dedicated to unbiased consumer education about the financial benefits and liabilities of owning a house. NIFE seeks out exceptional leaders, educators, and financial professionals to donate their time as Faculty members after they have completed a rigorous training program and passed a series of CLA™ course exams.
These professionals offer free education to help you
make a better educated decision based on your unique situation.
02 the Certified Liability Advisor Designation
A Certified Liability Advisor™ ( CLA™ ) has completed unique training that includes a 7-Step Process designed to aid the borrower in the key decisions to Borrow Smart Repay Smart™.
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The strategy starts with selecting the right product to manage risk, the right payment to accomplish cash flow objectives, and then assessing the current availability and amount that best meets today's current borrowing needs. In addition, a plan to manage the objectives, protect the house investment, and discipline an annual review process helps to ensure your borrowing is done in the most efficient way possible. Balancing risk and interest expenses over time through proper liability management.
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If you are interested in learning more about the CLA - go here!
03 the SORA + NIFE Partnership
Make Money Work For You
At NIFE, we're not here to sell you jargon.
We're here to give you something far more powerful: clarity.
Thanks to our partners and sponsors, we're making financial literacy practical—
not abstract. Useful. Actionable. Yours.
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Here’s the truth:
You likely have money hidden in plain sight.
We’ll help you find it.
What you do with it—spend, save, or invest—is your call.​
Ready to start?
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Click the Launch Liability Planning Button.
1) You’ll connect with a Certified Liability Advisor—
a real human, willing to volunteer their time to you.
2) You’ll get an Insights Report that maps out
your current liabilities and shows you how to optimize them.
3) Then, we’ll point you toward the next steps—
the ones that actually move the needle on your financial life.
No fluff. No pressure. Just momentum.
Let’s go.