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Articles & Free Resources

From the Center for REALTOR® Financial Wellness.

The Center for REALTOR® Financial Wellness is a resource designed exclusively to meet the specific financial planning needs of REALTORS®. You’ll find budgeting tools, retirement planning resources, options for investing in real estate, and more.

Visit www.FinancialWellness.realtor to take your assessment and start planning for your future today!

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Financial Wellness Personal & Business Resources

NAR’s Center for REALTOR® Financial Wellness encourages you to take this opportunity and download a complimentary resource to audit your financial progress.

Download and review these resources to help with business planning:

Scoring your financial wellness audit

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60-second financial wellness audit for REALTORS® launching their business

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60-second financial wellness audit for REALTORS® and their families

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Structuring Your Business to Maximize Tax Benefits

This guide explains the different ways an entrepreneur can form their business. Whether it’s a sole proprietorship, LLC, or partnership, each business structure has their own benefits and drawbacks. More specifically, review this resource to see how you can prepare your business for maximum tax savings and an efficient exit strategy.

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How to Pay Yourself

Business strategies to prepare for the future. Review this guide to get recommendations on the next step for your business type and how to pay yourself.

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Funding Your Retirement As a Self-Employed Agent

Within this guide, self-employed agents can plan for a secure retirement by exploring various retirement savings options such as Individual Retirement Accounts (IRAs) and 401(k)’s. This resource emphasizes the benefits and drawbacks of each, while also taking into account the needs of employees, personal financial goals, and investment time horizons. Review and download this resource to see how you can properly handle the integration of real estate within your retirement portfolio.

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Estimated Taxes for REALTORS®

Self-employment is great, especially when you're making money. But without an employer to withhold taxes from your paycheck, how do you make sure you're paying your taxes correctly? Review this resource which provides guidance on when estimated taxes are due, how to pay them, how to calculate what you owe, and what to do if you miss a payment.

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Estimated Tax Pro Tips

This complimentary resource provide tips to consider when paying estimated taxes. Additional things to consider are state taxes, safe harbors, and some tips for managing your tax payments in a two-earner household.

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SMART Resource — Accounting & Tax Tips

As a real estate agent, you are a self-employed business owner. This resource will bring awareness to the tax and accounting requirements that make up the SMART acronym. Review a high-level overview of common accounting tasks and how to estimate tax bills so there are no surprises come tax time.

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Tax Facts & Figures

Tax changes for 2023 and 2024 can impact agents. Review this guide and learn how to be best prepared for the current tax season.

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Agent Tax Strategies Cheat Sheet w/S-Corp

It's not what you earn, it's what you keep! With our industry's strong focus on helping agents earn more, this guide will focus on helping you outline ways to reduce your largest expense: taxes. Review and download this resource to understand the value of tax-planning strategies.

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Tax Advantages for Agents Investing in Real Estate

Have you ever thought of investing in what you know best, real estate? Did you know that there are significant tax advantages reserved just for real estate professionals? Review this resource to learn about these tax advantages and how they were amplified by the Tax Cuts and Jobs Act of 2017 (TCJA).

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Financial Wellness Roadmap

Financial Wellness Roadmap

English language (PDF: 796 KB)
Spanish language (PDF: 278 KB)

The FREE Center for REALTOR® Financial Wellness Roadmap can help your team, agent, or members navigate the path to financial success.

Glossary of English-Spanish Financial Terms

Glossary

Download (PDF: 689 KB)

This CFPB glossary contains terms you may find helpful to review. Download this complimentary PDF version.

Special Offers

NAR Financial Planning Flyer - Manage Your Financial Life with Morgan Stanley
Complimentary Financial Consultations with Morgan Stanley

NAR and Morgan Stanley have come together under the Center for REALTOR® Financial Wellness to provide NAR Members with special offers on financial planning and investment services.

A Guide to Managing Volatile Market Shifts

A Guide to Managing Volatile Marketing Shifts

To access this timely resource, please visit FinancialWellness.realtor and select the ‘Wellness Essentials’ tab or view the PDFs below.

Financial Wellness Emergency Guide

CFFW Money Saving Tips

Information and resources to help you get through challenging times.

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Center for REALTOR® Development Podcast

Episode 57: Financial Planners, Insurance, and REALTORS®

Listen to episode 57, as guest Rich Arzaga shares information REALTORS® should look out for when choosing a financial planner and insurance. Download then share with a friend to continue the learning. 

Access FREE Webinars on:

Business Financial Planning

Taxes

Real Estate Investing

Personal Financial Planning

Financial Therapy

Succession Planning

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