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 […]
(This is an unchanged repost of an earlier contribution) Does it pay to get a reverse mortgage early in retirement, or is it better to wait until it’s absolutely required – a “last resort”? […]
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 […]
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 […]
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 […]
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 […]
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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