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Real Estate
Real Estate Investors | Commercial Real Estate | Residential Real Estate

C.M. Carrillo Financial Advising is an independent financial advisory firm that fully embraces the world of real estate.
Every day we work to support real estate investors and realtors who work within all segments of the real estate market.

Our Services

What We Do:

C.M. Carrillo Financial Advising Helps Clients:

  • Manage liquidity needs with creative financing solutions.
  • Leverage investments in order to obtain cost effective liquidity.
  • Leverage investments in order to obtain cash flow flexibility.
  • Manage unexpected real estate expenses.
  • Offset real estate carrying costs.
  • Attain asset class diversification.
  • Strategically manage both sides of the balance sheet.
  • Make connections through warm introductions.

What We Don't Do:

C.M. Carrillo Financial Advising does NOT:

  • Directly engage in any real estate business.
  • Solicit any real estate transactions.
  • Analyze potential real estate deals.
  • Value existing or prospective new real estate holdings.
  • Make recommendations that pertain to real estate investments.
  • Offer Mortgage Loans.
  • Render Tax Advice.
  • Render Legal Advice.

Real Estate Investors

There are countless ways that individuals can play the real estate investing game. Individuals can work as: Developers, Home Builders, Home Flippers, Landlords, Wholesalers, Private Money Lenders, Hard Money Lenders, Buyers and Sellers of Notes, etc. Some may specialize in short-sales and foreclosures while others may focus on multifamily properties. The possibilities are endless. And of course, the common denominator among all of these different approaches to the real estate investing game is Cash. You need cash to play the game, and the more cash you have, the more fun it is to play.

That is why C.M. Carrillo Financial Advising is proud to be able to bring some powerful solutions to the table that can be used as strategic funding mechanisms for those who work within the world of real estate investing. Many of our clients have embraced the idea of incorporating specific solutions into their financial plans, which over time, can effectively reduce their reliance on conventional and/or exceptionally expensive sources of liquidity.

Our Creative Financing Solutions & Funding Mechanisms


Cash Value Life Insurance


Securities-Backed Line Of Credit (SBLOC)
For Eligible Investment Clients with Non-Qualified Accounts

The Cash Advantage Program


Financial Insights For Real Estate Investors


Understanding The Yield Curve

The S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index

Managing Investment Risks

Real Estate Investment Trusts (REITs)

Debt Management


Real Estate Investor Education & Networking Groups

RiverCity REI Roundtable

Jefferson County Real Estate Investor Alliance (JeffCo REIA)


Commercial Real Estate

Carmelo 'Mel' Desemone
Vice President & Commercial Realtor | MO & IL


Residential Real Estate

Donna M. Carrillo
Realtor | MO


Financial Insights For Homeowners

Credit Considerations

Home Mortgages

Homeowners Insurance & Home Warranties

Vacation Home Considerations

What Is Most Appropriate For You?

Tax Considerations When Selling Your Home

Special Note: We always recommend that clients consult their CPA or Tax Professional whenever they require guidance regarding the tax implications associated with a particular financial transaction. It is always prudent to seek out proper guidance prior to making substantial financial decisions. Failing to do so can result in unintended tax consequences.


Real Estate Financial Calculators

www.CMCarrilloFinancialAdvising.com | All Calculators



Helping You Transform Your Vision Into Your Reality



Investment Advisory Services offered through Prosperity Wealth Management, Inc., a Registered Investment Advisor. C.M. Carrillo Financial Advising and Prosperity Wealth Management, Inc. are separate entities.

C.M. Carrillo Financial Advising and Prosperity Wealth Management, Inc. do not render tax or legal advice.

C.M. Carrillo Financial Advising does NOT:
- Directly engage in any real estate business.
- Solicit any real estate transactions.
- Analyze potential real estate deals.
- Value existing or prospective new real estate holdings.
- Make recommendations that pertain to real estate investments.
- Offer Mortgage Loans.


When it is appropriate to include alternative investments within a client's investment portfolio, C.M. Carrillo Financial Advising may make recommendations that pertain to Real Estate Investment Trusts (REITs).

Securities-backed loans may not be suitable for all loan parties (e.g., borrowers, pledgors, and guarantors) and carry a number of risks, including the risk of a market downturn, tax implications if pledged securities are liquidated, the potential increase in interest rates, and other risks. If the value of pledged securities drops below certain levels, loan parties may be required to pay down the loan and/or pledge additional securities. Please consider these risks and whether a securities-backed loan is appropriate before you proceed; carefully read the securities backed line of credit application and Line of Credit and Security Agreement for further details.