Episode 335: The R.E.A.L. Method: Making Confident Real Estate Decisions After 55 with Donna Castillo

Real estate decisions carry enormous financial weight, and yet many people navigate them with a realtor who treats the work as a side hustle rather than a true advisory relationship. Melissa Joy, CFP® sits down with Donna Castillo, a top 1% producer realtor with Intero Real Estate Services in Silicon Valley, to talk about what separates a transactional agent from a real financial partner. Donna shares how she works with clients neighborhood by neighborhood, weighing schools, square footage, and competitive dynamics so buyers can win a home without overpaying by six figures.

The conversation turns to Donna's R.E.A.L. Method, a framework she created specifically for homeowners over 55 who are weighing whether to stay put, downsize, or explore new options like an ADU or a 55-plus community. Melissa and Donna cover capital gains exposure on long-held homes, the role of a good lender in structuring financing around equity compensation and investment portfolios, and why having candid family conversations about aging in place, trusts, and estate plans is one of the most generous things a person can do for the people they love.

What You'll Learn

• Why working with a realtor who treats real estate as a true advisory relationship, not a side hustle, matters most on high-value transactions
• How hyper-local market knowledge, down to the specific street, shapes a competitive offer strategy
• The R.E.A.L. Method: a framework built for homeowners 55-plus to evaluate reality, equity, available options, and lifestyle impact
• How capital gains exclusions work for primary residences, and why the math differs for single versus married homeowners
• How a 1031 exchange can defer capital gains on rental property, and why the full proceeds need to stay in real estate
• Why using investment portfolios, RSUs, and other equity compensation to finance a home purchase requires careful tax planning with the right lender
• The importance of having proactive conversations with family about aging in place, trusts, and estate plans before a crisis forces the decision

Connect with Donna:

Website: donnacastillo.com

Facebook: facebook.com/gotodonna

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Transcript

Welcome And Meet Donna Castillo

SPEAKER_02 0:00

Welcome to the Women's Money Wisdom Podcast. I'm Melissa Joy, a certified financial planner and the founder of Pearl Planning. My goal is to help you streamline and organize your finances, navigate big money decisions with confidence, and be strategic in order to grow your wealth. As a woman, you work hard for your money, and I'm here to help you make the most of it. Now let's get into the show. Welcome back to the Women's Money Wisdom Podcast. Today we're going to be talking all about real estate with an expert real estate professional, Donna Castillo. She is one of the top 1% Silicon Valley realtors. She's a speaker and author who helps homeowners maximize profits and build wealth through strategic real estate decisions. She's also the creator of what's called the real method, which she uses to help people understand and make better decisions when it comes to real estate. Donna, welcome to the podcast.

SPEAKER_00 1:02

Oh, thank you so much for having me. I really love this. Thank you, Melissa.

SPEAKER_02 1:06

Well, real estate is something that almost every investor thinks about that I talk to. And as a wealth manager, it's definitely one of the areas that we think about. Even this week, I'm talking to a couple of clients that are trying to buy places. One's a primary residence, one is a vacation home. Um, somebody else is selling and downsizing. Um, and I think some people would be as surprised if they work with a financial advisor that just thinks about their accounts. That, you know, real estate conversations and decisions are something that both a great realtor like yourself as well as a well-informed wealth manager can really help you to keep your head on your shoulders and make great decisions.

SPEAKER_00 1:50

Absolutely. So important. So important to not just be a realtor, but to be an advisor as well.

SPEAKER_02 1:56

That's so true. And I like even in our lead up conversations, um, getting ready for this episode, I could hear you thinking through some of the considerations that um that are important as an investor about what is the right home, when is the right time to buy it? Um, is this for your own residency or an investment? Um, and I think you're kind of um have more experience than the us in the rest of the country because you're in one of the tightest, most expensive housing markets, and it's been that way for quite a while. Um, so can you just describe the housing market um when it comes to Silicon Valley and um the area around Northern California?

SPEAKER_00 2:38

A great

Silicon Valley Housing Market Reality

SPEAKER_00 2:39

question. We find that um in Santa Clara County overall it it's booming, especially on single family homes. Condos and town homes are a little behind, but that's okay. Now we find that there's Santa Clara County, but there's a lot of neighborhoods within Santa Clara County. So when I'm working with a client, we don't only look at Santa Clara County numbers, but I work with them and we figure out what's their goal, what's the area, is schools important, is square footage important, the cost important? And then we narrow it down to the neighborhood. And that could be completely different. You know, there's certain parts of San Jose that are a lot less expensive than if you go to another part of San Jose. So really narrowing it down so they not only understand what's happening in Santa Clara, but they are my uh, if they're looking at San Jose, what's happening in San Jose, and then what's happening in that certain neighborhood. Uh Willow Glen is a very expensive, very sought-after neighborhood. What's going on in that neighborhood down to what's happening on that street? So when I work with um with clients, we we go down very granular so they understand exactly what they're buying into, um, how competitive it's going to be. There's certain neighborhoods within Santa Clara County that you'd have to go in with no contingencies, which could be pretty scary for some people. And uh, and I try to work with them so that they win by one dollar, so they understand what the market is doing, what it's going to do, not only what it did in the last 30, 60, 90 days, but where it's headed. So um we it's almost like a little crystal ball. We look at trend graphics and what's the trends in that neighborhood and what's happening in the future so that they can win by a dollar versus, you know, a hundred thousand dollars over list price. So let's cross our fingers, right? So that's so interesting.

SPEAKER_02 4:27

Yeah. Like um, you know, in real estate, first of all, I think there's a cohort of real estate professionals who are kind of lifestyle um professionals who are like, oh, that would be a nice side hustle versus a cohort of people who get up every day, know the metrics of the market, are doing a higher volume of deals, and then have that sense of all of the data that's available. Um, and then it can be hyperlocal, you know, really understanding um the nature of the space and place. And so um, you know, if you live in a state like mine in Michigan, um, there may be a better professional for certain areas and neighborhoods versus others. And then really working with someone like yourself, Donna, who is thinking, um, you know, here's what's happening today, here's the types of offers being accepted, here's the types of financing that might not be as preferable to the in terms of your offer, things like that, especially um because certain parts of the country are incredibly tight when it comes to the real estate market right now. I think both yours definitely is with the wave of AI careers, and then here in Michigan, it's also um there's just not a lot of inventory. And then other parts of the country, you may be able to come in um and offer less than the asking price and um have confidence depending on how long something's been on the market or something like that. So you really need to know the specific space.

SPEAKER_00 5:55

Absolutely. And you mentioned something. There's there's those realtors that look at it as a side hustle, and there's realtors that do it as a full-time agent. And um, for me personally, if I am working with somebody that's investing 500, 500,000

Winning Offers Without Overpaying

SPEAKER_00 6:12

on a one-bedroom, one bath condo to five, six, seven million dollars, I think it's super important that it's not a side hustle that you are a financial advisor and that you understand that impact on their personal lives, their pocketbooks, you know, and and really give them a holistic picture of what they're entering. So that's why it's really important, I think, when you when you say that to to have clients really, when they're selecting that agent, make sure it is a person that's not only familiar with that neighborhood, but really can help you with those financial decisions and be a true advisor to you. And it takes it really does take more than putting a for sales side in front of a house or or introducing somebody to a lender, right? To to the information they need to make a good decision for them and their family.

SPEAKER_02 7:02

Some some of the lenders I like working with best can, you know, if I talk to them two or three years later about a client that I've referred them to, they're still thinking about that client and saying, How are they doing? And we all know that when it comes to financing anything, there are a lot of ways to get loans done, but some of them may not be in the best interest of the borrower. And so um, same goes for lending. You could get a higher interest rate, more fees in order to qualify for a loan that may not look safe on your balance sheet. Um, there's likely somebody who will do it, but at what cost? And so having both a terrific real estate professional like yourself, Donna, hopefully, um, in many cases, conversations with wealth managers or financial planners like myself, and then also the real or the lender, um, if you have a loan officer, someone who's thinking, like, gosh, I feel like I could qualify you on that, but it it's really gonna stretch your monthly budget. You need to understand how. Um, that's a dream team because then you really can be well informed as you're making your decision.

SPEAKER_00 8:11

Absolutely. And uh a lender that will educate the client on all the packages available out there. So I have a client right now who was gonna get a $10,000 credit from the seller. And instead of using it to help her with her closing costs, she decided to buy down her interest rate so that monthly would be more affordable to her. And so really understanding those options and how to take advantage of them, huge to have the right lender that that partners with you to make that happen for your clients.

SPEAKER_02 8:40

Because not everybody knows that, right?

Building The Realtor Lender Planner Team

SPEAKER_02 8:42

So true. And there's also interesting um A, lending like traditional mortgages are here to stay. So I'm not mentioning this um to get away from that, but in a state like California, um, and I see this all over the country. We work with clients in almost 30 states. Um, but if you have really high equity compensation, you've got a portfolio of stocks that are um, you know, a tax bomb when it comes to just liquidating them to purchase a house if you're making a cash offer. Um, but if you have access to um security portfolios, there are some newer kind of loan um alternatives that really can um use your portfolio as um quote unquote the bank. Obviously, a ton of like risk considerations, um, but there is um even some innovation when it comes to ways you can access reasonable um debt, um, including your own portfolio, which I'm sure you see a little bit being in the market that you're in.

SPEAKER_00 9:45

Yes, it's very interesting when they come in and they, you know, they work with the lendo and show their portfolio of RSUs and their stock and and savings and you know what they have in their 401k and how they can pull that money together and and make an offer on a home in a competitive market and having that lender that could help them make those decisions where let's take the money out of this account, the the tax exposure is less here. Yeah, you know for sure. You've got to calculate all those things are so important and and you don't know until you know, right? And it's just that lender is just such a such an important piece. It's really important to pick that right lender.

SPEAKER_02 10:25

Yeah, and everybody's circumstances are different. So when your neighbor has great advice of like, here's how I did it, um, you know, one of the things is nobody shares their balance sheet when they describe what they did. Um, there's a lot of shoulds when it comes to um, you know, how people think about real estate. Everybody has opinions, and so having trusted professionals that know your particular circumstance is so important.

SPEAKER_00 10:52

Absolutely. Absolutely, yeah.

SPEAKER_02 10:54

Well, I know yeah, for sure.

The REAL Method For 55 Plus

SPEAKER_02 10:58

I know that one of the reasons I wanted to have this conversation was that you have developed a method that helps people to make better decisions when it it comes to their real estate. Can you tell me about the real method and what you've developed?

SPEAKER_00 11:11

Absolutely. So it um I lived it and so I thought I need to formalize this and share that information. So, you know, it's the real method for after 55. I'm f I'm over 55, believe it or not.

SPEAKER_02 11:24

I'll be there in four years, so I'm coming.

SPEAKER_00 11:27

Yeah, kind of scary, but yes, I'm 55 plus. And I I put it together so that uh my clients could really have a clear understanding and the confidence to make decisions as they turn 55 plus. Because you know, the biggest decisions once you're over 55 is what am I gonna do with my house? Do I stay in it? Do I sell it and move?

SPEAKER_02 11:52

Um I mean, we see nowadays too. I I just was reading articles about um, you know, kind of millennial and younger people being um in collectively frustrated because boomers are hanging on to their real estate longer. They're not only their primary residence, but the second home too, because they want the grandkids, the kids and grandkids to come visit and have great vacations and stuff like that. There's a lot of considerations.

SPEAKER_00 12:17

Um great, like they always want to follow the grandkids, right? Luckily, mother's still close. They have a left.

SPEAKER_02 12:23

I need a condo here, you know, condo in Chicago. So I when I go there, I'm not staying in their, you know, staying under their roof. So I can have some peace and quiet, but still be really close to them.

SPEAKER_00 12:33

And here in Santa Clara County, a lot of people are adding an ADU in the back of their home, right? So that so the so um they can move into the ADU and rent out maybe the front part of you know the main house to their kids or grandkids, right? That's something that happens as well. Because of the uh capital gains is always a concern here for sure. Because they've the houses have appreciated so much.

SPEAKER_02 12:56

You bought it for half a million in the 90s and now you can sell it for two and a half. And for those of you who don't know, um, if you're married, then you have had typically have what you paid for the house plus considerable capital improvements, and then half a million that you can add to that dollar amount, and then the rest, if it's over that, is capital gain, tax at capital gain rates. If you're single, they only give you a quarter million over what you've um originally purchased plus improvements.

SPEAKER_00 13:24

Wild, isn't that? So you're looking at around, you know, 32%. You'd pay on capital gains. I just helped a family. They bought their home in 1960 in a city here called Mountain View. And Mountain View is very expensive. They spent $5,000.

SPEAKER_02 13:38

Google headquarters were originally there 20 years ago.

SPEAKER_00 13:42

Google is right, Google is right there. Um, LinkedIn, Facebook, all Adobe's right there. So Mountain View is really, yeah, and so they bought it for $5,000. So the capital gains exposure was big. So, you know, there's there's um ways to kind of defer capital gains, but that's why we put the the real method together because I really want the clients to, you know, the R is like a reality check. What's my situation? You know, we're out of it.

SPEAKER_02 14:07

Good context for your personal circumstances, exactly.

SPEAKER_00 14:11

And E is you like your equity awareness. People don't understand how much equity they have and what they can do with that equity. Uh, the days of buying your house, living at 30 years, you pay it off. Not too many people do that anymore, but you know, the older generation, there's still a couple that still do that. But really understanding that equity and understanding what you can do with that equity to improve your quality of life or or finance uh your retirement and travel, right? Whatever it is that you want.

SPEAKER_02 14:37

Great example because so many people, like in my financial plans, I'll tell people we can talk about selling the house later, but most people don't know exactly when they're gonna sell. Some people do come to me and say, we're downsizing as of, you know, kid two graduating from college or something like that. Um, but um, that equity often doesn't get put into the retirement calculation, knowing that you're, you know, like that the roof over your head is not um typically most preferred to be, you know, turned into a paycheck. Reverse mortgages exist for a cohort of people kind of typically in more dire straits. But um so this is often a backstop for people or a way for them to spring um and have more access to funds in retirement if they have a considerably appreciated home.

SPEAKER_00 15:26

Yeah. Well, yeah, here homes have just appreciated so much that you know, capital gains is always on the top of um everyone's mind, but they don't have to be a little bit more.

SPEAKER_02 15:34

Much more rare in the Midwest, but that it's coming up more and more, especially for um more sizable homes and estates or um properties. And second homes, the capital gains are always on the table. So that exclusion you have uh second only for your primary rentals.

SPEAKER_00 15:51

Your rental is a little better, right? Because you can take advantage of a 1031 exchange and not pay capital gains. Yes. As long as you sell it to buy more rental properties, right? So it's a way to defer it. I mean, that's what I thought about where I've told you earlier I was I rent my home. Um, and uh because I wanted to take advantage of a 1031 exchange so that when I sold it, I was not gonna pay a lot of capital gains because it became a rental property. So I want to sell it and then buy more rental property to create passive income for me, right?

SPEAKER_02 16:19

Yeah, and in the 1031 exchange space, we could have an entire episode on this. Um absolutely. You know, it's not your primary residence. Some people are like, how do I exchange my house? Um, it's not where you're originally living. And second, it is um you don't always have to purchase an individual property. There are also 1031 exchange funds or pathways to into 1031 exchanges nowadays, but it does need to stay in the real estate sphere.

SPEAKER_00 16:48

Yes, correct. And anything, let's say if you don't use the whole amount, if you had a million dollars, you use 900, well, that $100,000 is gonna be exposed to capital gains. So all those little things you have to do.

SPEAKER_02 16:57

Lots of nuances. Don't just yeah, you're right. The 1031 can be a full don't do a YouTube video and be like, no problem, I'm gonna do this without professional advice.

SPEAKER_00 17:06

You need to, right. And then also, too, as I think 55 plus, you know, what are the available options for you of where you want to live? There's a there's more than just I'm gonna stay put or I'm gonna sell or move. There's 55 plus communities, you know, maybe you want to rent. Um a lot of options there. So really I wanted everyone to be aware of all the options and really make a conscious decision, you know, for the reality check and your equity and your available options. And then what do you want your life to look like? So L is your lifestyle impact. What do you which I think should be the first thing, but I couldn't figure out how to make it first. Um your lifestyle, right? What's what is it gonna be? What do you want your life to be? Do you wanna do you wanna travel or do you want to I don't know, be close to your grandkids or whatever that is, that lifestyle impact. So once I go through this whole the real um method with them, my hope is that they have a really clear understanding of what they truly want. Um makes sense for that next phase in your life, whether and and you know, whether you plan to move in two years, two months, or never, that's okay. But but just have a clear understanding of what you want and create that path. Um that's so great.

SPEAKER_02 18:19

And I think you need to be um really I sometimes I suggest to people, like they may say, I I've always wanted to have a house in when you're in Michigan, it's in northern Michigan or in Florida. And it's like, okay, how are you really gonna feel there? Have you been spending a lot of time there already? And so you can kind of test the waters with a like a midterm rental, a month or two in the winter, if you really like Florida, to see if the

Lifestyle Tests Downsizing And ADUs

SPEAKER_02 18:45

community you think you love really feels like that when you're not just at a resort for a week, but instead you're um, you know, there and checking out the grocery store and how, you know, like um the golf course feels and things like that. Um take your time.

SPEAKER_00 19:02

There's a lot of 55 plus communities that have those golf courts, but do you really want that, right? Do you or are you looking for the pickleball or tennis or right? Um I just helped one family, they didn't want to be in a track neighborhood anymore. They went and bought uh five acres. And it's a place called Pollock Pines. You're you know, 45 minutes you're in, you're at Heavenly, you go skiing. But now they lived in a neighborhood and to retire, they wanted that five acres. They said they didn't want to see anybody all day, but close enough that if they wanted to see somebody, they could.

SPEAKER_02 19:33

Yeah, cute. Can you still get to your doctor? Things like that.

SPEAKER_00 19:37

Yeah, they can still get to the doctor. So there's some good doctors and good hospitals in that area. You're right. That's really important, right? So that's part of going through that real method, is really understanding that and what's important to you. Um because that that big, like I said, I had a big five-bedroom, three-bath house that I'm going to be selling. And when you're in it alone, um, it gets lonely. It's uh you can, you know, your steps echo. It's and I fell, you know, down my stairs too. And I was home alone. Luckily it wasn't serious. But what if what if it had been serious, right? Um, who would I have called? How do I get a phone? You know, all those things you have to think about. So when you're going through that real method, you're gonna make those decisions um and taking into consideration all those things. Is that house you're in today gonna work for you for the next 10, 15, 20 years? And if it isn't, what can you start doing today to adjust? Because um if you're you know, if you're going to sell your home, if you you know, just start making that plan step by step so that you're not surprised, you know. Or um you don't want it to you don't want somebody else to make that decision for you without maybe sometimes without you even having input, right? Because you are in a medical situation now where somebody has to make that decision for you. And that's not fun either.

SPEAKER_02 20:50

No, I think that if this isn't for everyone. So again, don't take my should as um, you know, specific advice for you, but contemplating and considering a aging in place game plan, whether it's modifications to your existing red residence or a plan to move at a certain point in time is always helpful to do um a little bit sooner. So, for example, if you plan to modify your home, it's great to do it while you're still working because you may feel more empowered to spend a little bit more money when you still have the cash flow outside of your portfolio from your regular paycheck. Um, when you um are thinking you're gonna downsize, don't put it off forever because if you um even when you're healthy, you can have um more limited um desire to make bigger decisions as you age. That's just one of the typical like kind of trends that happens with aging. And so that's where I have the kids of um people that become my clients who say, Mom and dad, we're managing everything themselves. We found out when we, you know, emergency got them into an assisted living facility or memory care that their accounts were everywhere, they have properties everywhere. And, you know, now the kid had adult kid has a full-time job taking care of mom and dad plus managing their financial affairs.

SPEAKER_00 22:17

And and is a and if there's one kid or are there multiple kids, that's when it gets fun. Yeah. And was the house in a trust or not in a trust? That's super important as well, right? Right. Um, and yes. So all those things fall into place. So to really have a good plan when you still can make those decisions, right? You you talked about uh memory care, right? I'm I'm I'm helping my mom right now, I'm taking care of her. Her memory is getting worse and worse and worse, right? And she never had those discussions when I was younger. So it's I realized, like I told you, I lived this, and that's why I felt like I needed to formalize it because I'm living it with my mom as well. Her memory isn't getting um any better. You know, she's more on um on repeat all the time now. And so had had I had that the real conversation with her five, 10 years ago, I probably would have done things a little bit differently, probably a lot differently, actually, you know, looking back. And so that's why it's just so important. Um aging in place. I I help a lot of of seniors get into facilities where they can age in place and at a time when they can make that decision, right? And nothing's worse, as you said. You there's nothing worse than having to move when you're older. You hate it, right? For sure. You don't you don't want to move on to the case?

SPEAKER_02 23:33

Change of scenery is tough for everybody, and it gets more tough the more, you know, the less control you feel over it, too.

SPEAKER_00 23:40

Yeah, exactly. And they they they my mom's just having a really hard time with it. I bathed it. And so it's even more important um to have these conversations with yourself. And then once you make those decisions, have that conversation with your kids as well.

Aging In Place And Family Planning

SPEAKER_00 23:55

You know, it's really important that everybody knows what your plan is. And so if there ever is a time where somebody has to make a decision, they know in their heart what you wanted. So that I think that is such a gift.

SPEAKER_02 24:06

And you know, for those It is a gift for listeners out there, if if um I don't know about you, Donna, but if you've tried to broach the topic with family before and they weren't ready to entertain the discussion, um you could use an episode like this to, you know, just you're you're um on a drive with mom or dad or family members that you like know you'll likely be responsible for because you know you're that responsible person in the family. You can, you know, have have a listen, talk about what you would do or what you've discussed, um, and also say, hey, anything you need you'd like to share with me as well. Feel free to share.

SPEAKER_00 24:46

That that that's that's very true. And so I um and another thing to keep in mind as well is um people don't like to talk about when they're gonna pass, right? But guess what? Uncle Sam's ready to talk about it. And he knows when you're gonna pass, and he's there ready to collect the minute you pass. So make those decisions, you know, as a family and keep Uncle Sam out as much as you can, right?

SPEAKER_02 25:10

Yeah, the estate tax limit is very, very high nowadays, but it may not always be like that. But avoiding probate is so powerful and it it has to do with the way you've titled your real estate in many, it's state specific, but in many cases. And um also just planning in advance, having your documents in order. We see it because um I'm sure Donna, you have some, you know, kind of estate sale um properties that you sell associated with an estate after someone passes away.

SPEAKER_00 25:41

Yes, I do.

SPEAKER_02 25:42

Um, and so just so many considerations. And I think like proactive um maintenance during times when everything is sunny, um, the weather is good, really helps for um more difficult moments in the future.

SPEAKER_00 25:56

So you made a really good point about estate sales too. I've I always felt so bad because there's times when they are getting rid of things, and I always wonder, wow, somebody else in the family wanted this, did they not want this or this? There's a lot of value in this, they don't even know it. And so that's always just having those discussions. I have one friend's mom who was getting very sick, and she knew she was really getting really sick, and she made her two daughters run around. She's all you have pink posters, you have yellow posters, mark what you want now, and I'll let you know if you can have it or not. And so, you know, and she made it fun, you know, hard conversation, but she still made it fun. And and the girls did that. I mean, girls, they're adults, they're my age, but um, but they did do that and they had fun going back and forth on certain items and with their mom there. And so, you know, for them it was actually a memory that they're gonna do.

SPEAKER_02 26:47

That is a there's a legacy in that conversation, right?

SPEAKER_00 26:51

So and and the mom was able to say, Oh, you want that. That belonged to your great-grandpa, you know, and and told the stories behind certain pieces of artwork and things like that. So that was that was a that was a gift as well.

SPEAKER_02 27:03

That is a gift. Well, Donna,

Where To Learn More And Closing

SPEAKER_02 27:05

keep doing the amazing work when it comes to preparing um people over 55 for important real estate decisions. I think your framing is perfect. Um, and where can people find more about the real method and um your services?

SPEAKER_00 27:21

You have a link that we're gonna distribute. So if anybody wants to answer some questions, that'd be great. Or reach out to me. We can set up some time to go through the real method and really determine what your goals are and what do you see for your future and see how uh we can make it all happen for you.

SPEAKER_02 27:37

Lovely. Thank you so much for joining us, Donna. Thank you.

SPEAKER_00 27:40

I appreciate the conversation. You have a great day.

SPEAKER_02 27:43

You too.

SPEAKER_01 27:54

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