This week's special guest out of my hometown of Boston Massachusetts. Rick is a Senior Mortgage Planner with in Framingham Massachusetts. Rick's part of the billion dollar club. That means in his career he surpassed the billion dollar mark of career originations.  Rick is doing some amazing things out there and we talk about on this a couple of key things he does. One is past client reviews or annual mortgage reviews. Rick is generating anywhere from two to four loans per month just from his past database, sending out an e-mail and a voice broadcast. Amazing! Next you'll hear Rick's concept for real estate Agent mastermind's. This is brilliant. If you're looking for a way to get aligned with top producing Agents in your local market listen up! And lastly we talk about something that's really cool Rick created called The . There's links in the show notes for everything we talk about.  The is a concept that Rick is bringing to the real estate agents in his local market to teach them how to fish; helping them get referrals from vendors and affiliates. Rick will unpack his concept of the and the Ambassador program. He's looking for additional Ambassadors around the country to take the into your local market. Feed a man a fish, you feed  him for a day. Teach a man to fish you feed him for a lifetime.  Appreciate you being here as always. Feel free to leave your comments or podcast review. Let's get into this week's show.