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Posted on December 28, 2025 by Dr. David Edward Marcinko MBA MEd CMP™
SPONSOR: Health Capital Consultants, LLC
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On November 21, 2025, the Centers for Medicare & Medicaid Services (CMS) released its Calendar Year (CY) 2026 Hospital Outpatient Prospective Payment System (OPPS) and Ambulatory Surgical Center (ASC) Payment System Final Rule, affecting approximately 4,000 hospitals and 6,000 ASCs. The rule finalizes payment updates, policy reforms, and transparency requirements that will impact hospital and ASC operations beginning January 1, 2026.
This Health Capital Topics article discusses the key OPPS changes and updates included in the Final Rule. (Read more…)
Posted on December 28, 2025 by Dr. David Edward Marcinko MBA MEd CMP™
Dr. David Edward Marcinko; MBA MEd
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The idea of portable mortgages has emerged as a potential solution to challenges facing today’s housing market. In a traditional mortgage system, when a homeowner sells their property, they must pay off the existing loan and take out a new one at prevailing interest rates. This structure works smoothly when interest rates are stable, but in periods of sharp increases, it creates what is often called the “lock‑in effect.” Homeowners who secured low rates in the past are reluctant to move, since doing so would mean replacing their affordable loan with a far more expensive one. Portable mortgages aim to address this problem by allowing borrowers to carry their existing loan terms to a new property.
How Portable Mortgages Would Work
A portable mortgage would allow a homeowner to transfer their current loan—including the interest rate and repayment schedule—to a new home. Instead of starting over with a fresh loan, the borrower would continue under the same contract, simply attaching it to a different property. This concept is already familiar in some international markets, where portability is offered as a feature of certain mortgage products. Bringing such a system into the United States would represent a significant departure from current practice, but it could unlock new flexibility for homeowners.
Potential Benefits
The advantages of portable mortgages are easy to imagine. First, they would increase mobility. Families could relocate for work, education, or lifestyle reasons without being penalized by higher borrowing costs. Second, they could improve liquidity in the housing market. More homeowners willing to sell would mean more properties available, easing supply constraints that drive up prices. Third, portability could help households upgrade to larger homes or downsize to smaller ones without facing a financial shock. Finally, the psychological effect of knowing that a favorable loan can be preserved might reduce hesitation and encourage more natural movement in the housing market.
Challenges and Risks
Despite these potential benefits, portable mortgages also raise serious challenges. One issue is the complexity of the American mortgage system, which relies heavily on securitization. Mortgages are bundled into securities and sold to investors, who expect predictable terms. Allowing loans to move between properties could complicate valuation and trading of these securities. Another challenge is the mismatch between loan and property. Mortgages are underwritten based on both the borrower’s financial profile and the specific property’s value. Transferring a loan to a new home could introduce risks if the new property is less stable or valued differently.
There is also the possibility of an affordability paradox. While portability helps individual homeowners, it could entrench advantages for those who locked in low rates during past years, widening the gap between them and new buyers who must borrow at higher rates. Lenders might also face administrative burdens, needing new systems to evaluate portability requests and ensure compliance.
Policy Considerations
The debate around portable mortgages reflects broader concerns about housing affordability. Policymakers are searching for ways to ease the lock‑in effect and encourage mobility. Portable mortgages are one idea among several, alongside proposals for longer‑term loans or targeted refinancing programs. Each option carries trade‑offs between individual relief and systemic stability. Implementing portability would require regulatory changes and cooperation across lenders, investors, and government agencies.
Comparative Perspective
Countries that already offer portable mortgages provide useful lessons. In some markets, portability is common but subject to restrictions, such as requiring borrowers to requalify under the lender’s criteria or limiting portability to certain types of loans. These examples show that portability can work, but only with careful design and oversight.
Conclusion
Portable mortgages represent an innovative response to the challenges of rising interest rates and constrained housing supply. They promise greater mobility, improved affordability, and a more dynamic housing market. Yet they also pose risks to the financial system and raise questions of fairness between different groups of borrowers. Whether they can be successfully introduced depends on balancing these competing concerns. While not a simple solution, portable mortgages highlight the need for creative thinking about how to adapt the housing finance system to today’s realities.
SPEAKING: Dr. Marcinko will be speaking and lecturing, signing and opining, teaching and preaching, storming and performing at many locations throughout the USA this year! His tour of witty and serious pontifications may be scheduled on a planned or ad-hoc basis; for public or private meetings and gatherings; formally, informally, or over lunch or dinner. All medical societies, financial advisory firms or Broker-Dealers are encouraged to submit an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR-http://www.MarcinkoAssociates.com
Franchising has long been associated with industries such as food service and retail, but in recent decades, it has expanded into professional services, including financial planning, accounting, and investment management. These areas, traditionally dominated by independent firms or large corporate institutions, are increasingly adopting franchise models to deliver standardized, accessible, and trusted financial services. By combining entrepreneurial opportunity with brand recognition and operational support, financial service franchises are reshaping how individuals and businesses manage their money.
Growth Drivers
Several factors explain the rise of franchising in financial services:
Complex financial landscape: With tax laws, investment options, and retirement planning becoming more complicated, individuals and businesses seek reliable, standardized guidance.
Demand for accessibility: Many communities lack affordable financial advisory services, and franchises can fill this gap by offering consistent solutions across multiple locations.
Trust and brand recognition: Consumers often feel more comfortable working with a recognizable brand rather than an unknown independent advisor.
Entrepreneurial appeal: Professionals with backgrounds in finance or accounting can leverage franchise systems to start their own businesses with reduced risk.
Types of Financial Service Franchises
Franchises in this sector cover a wide range of services:
Accounting and tax preparation: These franchises provide bookkeeping, payroll, and tax filing services for individuals and small businesses.
Financial planning: Franchises offer retirement planning, estate planning, and wealth management services, often targeting middle-income families who may not otherwise access professional advice.
Investment management: Some franchises focus on portfolio management, investment education, and advisory services, helping clients navigate stock markets, mutual funds, and other vehicles.
Business consulting: Beyond personal finance, franchises also provide small business owners with guidance on budgeting, cash flow, and strategic growth.
Advantages of Franchising in Financial Services
The franchise model offers distinct benefits for both clients and franchisees:
Consistency and reliability: Clients receive standardized services across locations, ensuring predictable quality.
Training and support: Franchisees benefit from established systems, training programs, and compliance guidance, reducing the risk of errors in complex financial matters.
Scalability: Franchises can expand quickly into new markets, bringing financial services to underserved communities.
Lower entry barriers: Professionals entering the financial services industry gain access to proven business models, marketing support, and operational infrastructure.
Challenges and Criticisms
Despite its advantages, franchising in financial services faces notable challenges:
Regulatory complexity: Financial services are heavily regulated, and franchisees must comply with strict laws governing investments, accounting practices, and client confidentiality.
Quality concerns: While standardization is a goal, maintaining consistent advisory quality across multiple franchise locations can be difficult.
Profit vs. fiduciary duty: Critics argue that franchising risks prioritizing profitability over client interests, especially in investment management where conflicts of interest may arise.
Market competition: Independent advisors and large financial institutions remain strong competitors, requiring franchises to differentiate themselves through pricing, accessibility, or niche services.
Future Outlook
The future of financial service franchising appears promising. As financial literacy becomes more important in an era of economic uncertainty, franchises will likely expand their role in educating clients and offering accessible solutions. Advances in technology—such as AI-driven financial planning tools, automated accounting software, and digital investment platforms—will further enhance franchise offerings. Hybrid models that combine in-person advisory services with digital tools are expected to dominate, providing clients with both convenience and personalized guidance.
Conclusion
Franchises in financial planning, accounting, and investment management represent a transformative shift in how financial services are delivered. They combine the trust of recognizable brands with the entrepreneurial drive of local professionals, expanding access to essential financial guidance. While challenges remain in regulation, quality assurance, and balancing profit with fiduciary responsibility, the franchise model offers a scalable and reliable way to meet growing demand. As financial needs evolve, franchising will continue to play a pivotal role in democratizing financial expertise, bridging the gap between large institutions and local communities, and empowering individuals and businesses to make informed financial decisions.
SPEAKING: Dr. Marcinko will be speaking and lecturing, signing and opining, teaching and preaching, storming and performing at many locations throughout the USA this year! His tour of witty and serious pontifications may be scheduled on a planned or ad-hoc basis; for public or private meetings and gatherings; formally, informally, or over lunch or dinner. All medical societies, financial advisory firms or Broker-Dealers are encouraged to submit an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR-http://www.MarcinkoAssociates.com
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