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.
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 […]
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, […]
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 […]
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 […]
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, […]
Affluent clients of financial planners can use their housing wealth a variety of ways to enhance retirement, including boosting sustainable portfolio withdrawals and delaying social security claiming. As strategic users affluent clients are quite […]
NOTE: this is a slight revision to the post published in March 2014. Delaying Social Security can significantly boost lifetime retirement income but creates a shortfall while waiting. A case study used a HECM reverse […]
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