Whether or not the United States faces a retirement crisis, there is little doubt that many older Americans are not well prepared financially. Many retirees face the prospect of running out of […]
The research base on reverse mortgages in financial planning has significantly developed in the last three years. This post provides highlights of existing work. Noteworthy are results showing combining reverse mortgages with investment portfolio withdrawals to substantially improve sustainable retirement spending levels, […]
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 […]
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 […]
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 […]
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 […]
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 […]
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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