Using Housing Wealth to Improve Financial Outcomes in Retirement

Trusted Advisors, Realtors, Boomers, Seniors, and their adult children are INVITED to Learn a Little-Known Strategy to Help Retiring/Retired Homeowners Downsize, Right-size, or establish a growing line of credit to age in place and Improve Financial Outcomes in Retirement.   With 10,000 Americans turning 65 each day, homeowners over age 62 are looking for ways to decrease or […]

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Some Unexpected (and Surprisingly Beneficial) Uses for HECM Reverse Mortgages: The HECM for Purchase, and Related Income Tax Benefits

I’ll be presenting a class at NAPFA’s Spring Conference in Bellevue Washington May 16 – May 19th. Sessions at the conference will offer important updates on risk management, tax and retirement planning, practice management, technology, marketing and more. If you’re attending, let’s connect. You can register and see a full agenda at www.napfa.org/SpringConference. Class:  Some […]

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Reverse Mortgages Can Be a Retiree’s Saving Grace.

As seen on FORBES.com by Jamie Hopkins, Retirement Income Professor at The American College: “Reverse Mortgages Can Be A Retiree’s Saving Grace.” With 30 million+ members of the baby boomer generation moving into retirement….the FHA-insured Home Equity Conversion Mortgage (HECM) — the FHA-insured revamped version of the former reverse mortgage — supports strategies to help retirement-age […]

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‘Silver’ Divorce Puts Strain On Retirement Income

REPOSTED FROM FORBES PERSONAL FINANCE 10/24/2016 The original source of this article is available on Forbes.com here Jamie Hopkins, CONTRIBUTOR I cover retirement income planning, retirement, and other legal issues Opinions expressed by Forbes Contributors are their own. A common misconception about marriage in the U.S. is that millennials have a higher divorce rate than previous […]

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Divorce is Destroying Retirement

The number of Americans that are divorcing during retirement is growing. Proper planning, along with knowledge and use of the FHA’s “Divorce in Retirement loan,” the Home Equity Conversion Mortgage (HECM), can contribute to a better quality of life during the divorcing couples remaining retirement years. What do you know about the FHA’s HECM for […]

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The Tale of Two HECM’s

This case study compares the fortunes of two retirees who start retirement with identical securities portfolios, receive identical amounts of retirement income throughout a 30-year retirement and live in identical homes. The study illustrates how a securities portfolio (such as a 401(k) account or a rollover IRA) that provides retirement income can be substantially helped by a reverse mortgage credit line. More specifically, […]

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An Alternative Asset to Buffer Sequence-of-Return Risk in Retirement

The purpose of this paper is not to repeat a discussion of sequence-of-return risk, but rather to introduce academic research suggesting ways to manage this risk via an “existing resource,” the house. This review will lead to an evolving discussion of housing wealth used as what Wade Pfau, Ph.D., CFA, Professor of Retirement at the […]

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The Government’s Redesigned Reverse Mortgage Program

Reverse mortgages offer a mechanism for tapping home equity for those who want to stay in their home. Nearly all reverse mortgages today are government-insured Home Equity Conversion Mortgages (HECMs). To make the HECM insurance program financially viable, and to insure that HECM reverse mortgages provide retirees with a reliable source of retirement income, the […]

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Retirement Trends, Current Monetary Policy, and the Reverse Mortgage Market

Reverse Mortgage as a Retirement Alternative Having alternative sources of retirement income is critical for those who are currently retired, those retiring in the near future, and those planning to retire in the next 30 to 40 years. One alternative available to many Americans is a reverse mortgage. Surveys show that Americans tend to store […]

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