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6 Strategies for Using Reverse Mortgages in Retirement Planning: Wade Pfau

By Tom Davison on November 12, 2015 • ( 5 Comments )

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 […]

Review of “The Reverse Mortgage: A Strategic Lifetime Income Planning Resource”: Davison & Turner

By Tom Davison on November 10, 2015 • ( Leave a comment )

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

By Tom Davison on November 5, 2015 • ( 1 Comment )

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

By Tom Davison on May 1, 2015 • ( 2 Comments )

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?

By Tom Davison on April 22, 2015 • ( 5 Comments )

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

By Tom Davison on February 12, 2015 • ( 1 Comment )

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

By Tom Davison on September 16, 2014 • ( Leave a comment )

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

By Tom Davison on September 13, 2014 • ( Leave a comment )

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 […]

Reverse Mortgages: How Large Will A Line of Credit Be?

By Tom Davison on July 19, 2014 • ( 5 Comments )

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 […]

Apply for a HECM Reverse Mortgage Now

By Tom Davison on June 23, 2014 • ( 6 Comments )

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, […]

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