For Financial Advisors & Planners

The Spectrum of Reverse Mortgage Strategies

 
We invite you to learn how your peers are helping implement reverse mortgages for their clients age 60 and older to effectively leverage an important retirement asset: home equity.
Thanks to academic research that demonstrates their value, FHA-insured reverse mortgages are gaining acceptance as a valuable and effective financial tool to help meet the challenges of retirement financing. We look forward to educating you about the new financial planning strategies using a reverse mortgage that are helping to close the financial gap for a new generation of retirees.

 

Portfolio/Debt Coordination for Housing

  • Pay off an existing mortgage
  • Transition from traditional mortgage to Reverse Mortgage
  • Fund home renovations to allow for aging in place
  • Purchase new home

Portfolio Coordination for Retirement Spending

  • Spend home equity first to leverage portfolio upside potential
  • Coordinate Reverse Mortgage and portfolio draws to mitigate portfolio underperformance
  • Use tenure payments to reduce portfolio withdrawals

Funding Source for Retirement Efficiency Improvements

  • Tenure payments as annuity alternative
  • Social security delay bridge
  • Tax bracket management or pay taxes for Roth conversions
  • Pay premiums for existing Long-Term Care Insurance policy

Preserve Credit as Insurance Policy

  • Support retirement spending after portfolio depletion
  • Protective hedge for home value
  • Provides contingency fund for spending shocks (in home care, health expenses, divorce settlement)
 
Please take a moment to learn what your peers and the media have to say about the latest reverse mortgage products and features.

Jamie Hopkins
ESQ., MBA, CFP®, LLM, CLU®, ChFC®, RICP®
Director of Retirement Research at Carson Wealth
Associate Professor at the American College of Financial Services

Busting Three Half-Truths About Reverse Mortgages
June 24, 2019

Propriety Reverse Mortgage Products Could Eclipse FHA's HECM Program in 2019
Jul 2, 2019

Researchers Say Reverse Mortgages Deserve A Second Look
March 30, 2018

Financial Thought Leaders Speak About Reverse Mortgages

7 of America's leading financial thought leaders were asked "What surprised you about Reverse Mortgages?

 
Jamie Hopkins, ESQ., MBA, CFP®, LLM, CLU®, ChFC®, RICP®
Director of Retirement Research at Carson Wealth
Associate Professor at the American College of Financial Services

 

Reverse Mortgages: Are They Right for your Clients? 
2017 Retirement Income Summit, Jamie Hopkins, Wade Pfau

 

Your clients are getting educated. are you?