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  • Are Your Clients in Danger of Running Out of Money in Retirement?

    My good friend and retirement-specialist heavyweight, Tom Hegna, shared a story with some very powerful truths relevant to every financial advisor and their clients at or nearing retirement.  The original story is from Dick Austin – he contributed to Tom’s book, “Retirement Income Masters: Secrets of the Pros.” Some friends from the Northeast had always wanted Read More…

  • Can Reverse Mortgages Hedge the Most Common Retirement Income Risks? {Revised}

    At first glance the article title seems to suggest that a home equity conversion mortgage (HECM), also known as a reverse mortgage can be used to hedge or mitigate some of the more common risks of retirement. But I realize that for some advisors, the very notion of reverse mortgages being implemented in financial planning Read More…

  • 8 Reasons Advisors Can No Longer Afford to Ignore Housing Wealth

    A 2017 New York Post article reported, “On average, Americans check their phone once every twelve minutes, or about eighty times a day, with one in ten checking their phones on average once every four minutes.”  We all have things constantly vying for our attention, and advisors are no different.  With the competition for your Read More…

  • Why a Client with $5 Million in Savings Would Consider a Reverse Mortgage? The Changing Profile of Today’s Borrower

    If you’ve been on any of my webinars, you know that one of the concepts I always highlight is the huge gap between the typical perception of the reverse mortgage and the reality of what one accomplishes.  Why does that gap exist? In 1997, I was president of Habitat for Humanity in Philadelphia, and the board Read More…

  • Happy Anniversary Reverse Mortgages – 30 Years!

    Time Flies Many financial inventions have emerged over the history of the world, including pensions, mutual funds, bonds, life insurance, annuities, thirty-year mortgages, etc.  Some have passed with no lasting impact, a number were specialized and not easily accessible to the masses, and others are so new that the jury is still out. However, Reverse Read More…

  • Can I Take Out a Reverse Mortgage and Invest That Money?

    “Can I take out a Reverse Mortgage and invest that money?” asked a Time Magazine Reader a couple years ago (read full article HERE).  The short answer is yes…if your Advisor wants to get fitted for a new ankle bracelet by the federal government.  (I hear they can get itchy after a while.)  Here was the actual question: “Dear Read More…

  • Keeping Up with the Boomers: Understanding the The Latest Housing Trends Among Retirees

    I recently had a call from an advisor whose retiring clients planned to sell their current home, withdraw $300,000 from their portfolio to add to the sale proceeds, and buy a new house outright. The money they wished to take out represented 25 percent of their accumulated wealth! Fortunately, their advisor convinced them to pause, have an expanded conversation, and consider all the Read More…

  • Six Sources of Retirement Income that Women Need to Optimize More Than Men

    In last week’s post, I shared the 5 Reasons Women Need to Save More for Retirement than Men. (See video below for a quick refresher.) This week I want to continue by unpacking the six most common sources of retirement income and how women, even more so than men, need to maximize each of them. Here are Read More…

  • 5 Reasons Women Need to Save More for Retirement than Men – Part 1

    Since completing my Retirement Income Certified professional designation as well as the research I have completed in the past few weeks, I’ve come across several articles highlighting the difficulties in retirement for women…and for good reason.  Here are just a few of the startling facts. Unfortunately, women are…. Less likely to have planned or saved Read More…

  • {Podcast} Tom Hegna on Optimized Retirement and the Role of Reverse Mortgages

    Introduction Today’s Podcast was Awesome!  I met Tom Hegna several years ago as we shared a small platform at a conference.  Tom shared his signature talk on the 7 principles for an Optimal Retirement and I shared how Reverse Mortgages have changed Retirement Income Planning.  Tom’s information and presentation were outstanding, but what most captured Read More…

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