April 2016 update: The Journal of Financial Planning published Dr. Pfau’s article in April, 2016: Pfau, Wade D. 2016. “Incorporating Home Equity into a Retirement Income Strategy.”Journal of Financial Planning 29 (4): 41–49. Incorporating Home […]
I'm a wealth manager who enjoys helping people discover what path they want to walk and build a financial strategy to achieve it. This blog focuses on retirement planning, and currently delves into reverse mortgages.
Review of “The Reverse Mortgage: A Strategic Lifetime Income Planning Resource”: Davison & Turner
Use this link to download the full paper New Paper Spells Out Reverse Mortgage Strategies for Financial Planners November 9th, 2015 | by Jason Oliva Published in Data, HECM, News, Retirement, Reverse Mortgage A recent […]
The Promise of Reverse Mortgages: Comments by Nobel Prize-winning economist Robert Merton
Robert Merton said “Reverse mortgages are a powerful – yet largely untapped – tool for retirees to improve their standard of living.” “This is going to become one of the key means […]
Reverse Mortgages, SPIAs and Retirement Income: Tomlinson
Joe Tomlinson published research combining reverse mortgage and Single Premium Immediate Annuities (SPIAs) in retirement income planning: Tomlinson 20150414 Advisors Perspectives. He says “Retirees need longevity protection and additional funds. Annuities and reverse mortgages […]
Is the time perfect to take advantage of a reverse mortgage?
Note: This update on John Salter’s thinking about reverse mortgages originally appeared on NowItCounts.com April 7, 2015. In today’s low-interest rate environment, John Salter says now is the time to take advantage of a reverse […]
The Hidden Value of a Reverse Mortgage Standby Line of Credit: Pfau
Wade Pfau, a leader in retirement research, reported on research in “The Hidden Value of a Reverse Mortgage Standby Line of Credit”, an article that appeared on AdvisorPerspectives.com in December 2014. It is attached here with […]
Cashflow Flexibility: Adjusting Social Security Benefits
You may want to delay the start of social security for the long-term benefit. But what do you live on between now and then? Perhaps you had a plan to defer benefits, […]
Alternative Uses of Life Insurance Policies
Many people have life insurance policies they have held for years. It may be a surprise that their policy has value that can be used in ways other than a payment to […]
Reverse Mortgages: How Large Will A Line of Credit Be?
How much cash would be available if a client got a reverse mortgage line of credit? There’s a straightforward process to anticipate the size of HECM reverse mortgage lines of credit. Credit […]
Apply for a HECM Reverse Mortgage Now
6/30/2014 Update: Updated copy of Gerald Wagner’s article is attached, with changes due to 6/27/14 announcements by HUD of changes coming August 4, 2014. No major points. In general from current interest rates, […]