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 […]
Strategic Uses of Reverse Mortgages for Affluent Clients
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 […]
Reverse Mortgage Funds Social Security Delay
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 […]
Standby Reverse Mortgage Improves Retirement Spending
Joe Tomlinson, editor of Journal of Personal Finance, summarized research showing Standby Reverse Mortgages can double sustainable withdrawal rates. Reviewing a Journal of Financial Planning paper he concludes: “This study shows how home equity can […]
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