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Do you prefer a ReLOC or HELOC?

By Tom Davison on July 10, 2017

HELOCs (Home Equity Lines of Credit) are widely used. Simply having one makes many people more comfortable. My wife and I had a standby HELOC for many years – ready to use […]

Reverse Mortgages: Many Users, Many Uses

By Tom Davison on June 18, 2017

Reverse mortgages provide access to cash. Cash is the most flexible financial resource of all. In turn, access to cash makes a reverse mortgage a very flexible resource. Many homeowners could qualify […]

Understanding Reverse Mortgages: An Interview with Shelley Giordano

By Tom Davison on May 6, 2017

SOA research has shown that non-financial assets are the biggest part of retirement assets for many middle American families. The largest part of non-financial assets by far are home values. Housing is […]

Can Reverse Mortgages Hedge the Most Common Retirement Income Risks?

By Tom Davison on April 26, 2017

This is the title of an article written by Don Graves, RICP, and published by the Society of Financial Services Professionals in January 2017. Click to read the article here: SFSP-Mitigating-Risk-DG. Don points […]

Reverse Mortgage Disbursements Capped – Additional Clarification From HUD Required

By Tom Davison on March 28, 2017 • ( 1 Comment )

From the Funding Longevity Task Force The Funding Longevity Task Force at The American College of Financial Services has been at the forefront of financial analysis demonstrating the important role reverse mortgages […]

Reverse Mortgage can help a Retiree’s ‘Silver Divorce’

By Tom Davison on November 5, 2016

Silver divorces are a growing part of retirement for baby boomers. Financing retirement is challenging enough before splitting resources between two households. Many couples’ home is their largest financial asset, increasing the […]

Leading Retirement Researcher Pens New Book on Reverse Mortgages

By Tom Davison on September 22, 2016

Wade Pfau’s new book as reviewed by Jason Oliva of Reverse Mortgage Daily September 19th, 2016  | by Jason Oliva A new book on reverse mortgages hit the shelves this past weekend, offering readers […]

The HECM For Purchase Program Simplifies Home Buying for Retirees

By Tom Davison on September 21, 2016

This post originally appeared on Dirk Cotton’s blog The Retirement Café. It is reposted here with permission from Dirk and Jim Dean. Dirk wrote the section immediately below and Jim did the balance. […]

Increase Retirement Spending by Coordinating Investment Portfolios and Reverse Mortgages: Case Study by Barry Sacks and Mary Jo Lafaye

By Tom Davison on August 20, 2016

Recent research has shown six unique methods of combining portfolio and reverse mortgage withdrawals can boost spending (Pfau, 2016a, 2016b). Each method substantially improved lifetime spending. And counterintuitively, potentially estate size as well. Barry Sacks […]

Retirement Management Journal Paper Details Reverse Mortgage Strategies

By Tom Davison on July 20, 2016

UPDATE: Access the paper here: Retirement-Management-Journal-2016-Alt-Asset-Buffer-SORR A paper published in the Summer 2016 issue of Retirement Management Journal examines prominent research on the various strategic uses for reverse mortgages in retirement income planning. […]

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