Robert T. Boyer, Ph.d.

Robert T. Boyer, Ph.D., works as a Financial Architect, Real Estate Financial Planner, Real Estate Investor, Real Estate Agent, and Software Developer. His wife is a mortgage broker and real estate broker - with 20+ years industry experience and her own company San Diego's Finest Real Estate (http://www.SanDiegosFinestRealEstate.com). This may seem like many "hats" but there is a tremendous synergy in doing so that serves our clients well.

Never finding a financial planner able to assist with integrating real estate into their overall financial plan, Boyer developed and formalized the tools and analysis to provide Real Estate Financial Planning (REFP). These “real estate financial check-ups” ensure a client’s real estate investments satisfy their lifestyle, risk management, financial freedom, and legacy goals. REFP focuses on the financial health of a client’s real estate portfolio, evaluating cash flow, financial returns, interest rates, and liquidity, within the context of the client’s unique personal situation. REFP is an innovative approach to real estate investment planning that utilizes over 46 proven mix-and-match strategies to help real estate investors and owners better utilize their real property assets to save and to make substantially more money.

Realizing this is only one component of a person's financial life, Boyer works in collaboration with other advisors (e.g., accountants, attorneys for estate planning and asset protection, brokers, financial planners, insurance agents), to perform Comprehensive, Collaborative, Integrated Financial Planning. In essence, we collaborate as financial architects to designan overall strategy for their clients. The most significant difference in this collaboration over someone working with each of their advisors individually is that independently advisors will give great solutions to a client's problems, but the solutions may not coordinate well and may even be conflicting; in collaboration there is a synergy that results in an integrated solution that is better for the client.

Boyer’s love is for making the numbers dance, finding ways to maximize growth of net worth and cash flow, which almost always means paying attention to the unique tax advantages of real estate. He tries to squeeze more hours out of each day to create new real estate and financial analysis tools to consider and evaluate ways to manipulate contributions and withdrawals from retirement accounts to maximize retirement dollars as well as maximizing benefits from real estate. He sometimes refers to himself as, “the guy you stick in a dark room with a bank of computers and occasionally slide a pizza under the door.”

In 1988, Boyer began his real estate investing career by buying his first home with a roommate and a loan for part of the down payment from his dad. He has invested in single family, multi-family, and commercial real estate. Boyer has self-directed retirement funds into real estate investments, invested in tax lien certificates, and used 1031-exchanges to defer taxes. Today, with his wife, he owns real estate in four states and has experienced the ups and downs of rental properties as well as the various real estate cycles.

Boyer runs the San Diego's Finest Real Estate - Real Estate Financial Planning blog where he presents research and analysis on the San Diego real estate market and on financial planning topics – especially those related to real estate.

His work on the sub prime mortgage freeze was featured as an editorial piece in the San Diego Union Tribune How Everyone Benefits from Mortgage Rescue.

Boyer was interviewed live on Fox 6’s San Diego Living to provide his analysis on Where the housing market is heading in 2008.

Boyer was also interviewed live on KUSI News’ Inside San Diego to give his San Diego Real Estate Market Expectations for 2008.

Boyer was recently interviewed for an article in the San Diego Daily Transcript titled Foreclosures leading to home purchases – but not always for distressed homes.

Boyer started in the computer software industry, working for nearly 20 years as a defense contractor for General Dynamics, International-Research Institute, and Northrop Grumman. During this time, he performed software analysis on the digital flight control systems for the F-16 and JAS-39 hardware/software integration analysis on the flight software for the Atlas and Titan Centaur Rockets. Next, he worked on command and control systems, primarily in communications to collaboratively share allied information to form a cohesive situational awareness picture. Looking for new challenges, Boyer took on a Ph.D. in Computer Science in 1999 while working full time. His research areas were Software Engineering and our evolving Internet. His dissertation was titled: Open Implementation Approach to Internet-Scale Context Awareness. He graduated in 2005 from UCSD.