Reverse Mortgages and Estate Planning

San Rafael Realtors

Learn what Jane Bryant Quinn and other retirement income researchers say about where home equity fits into a thoughtful 30-year retirement plan. This class will teach you the Top 5 Things to Consider when choosing how to maximize your retirement income stream, strategies for paying for quality care, protecting your retirement savings during market downturns, […]

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Wondering How to Maximize Cash-flow in Retirement?

San Rafael Cashflow Retirement

If you, a loved one, or a client are 62 or nearing retirement – this free informational community event is for you. Join us – and bring your retirement income questions – to learn what Jane Bryant Quinn and other academic researchers on retirement income strategies are saying about where home equity fits into a […]

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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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HECM Reverse Mortgages: Now or Last Resort?

This study outlines recent changes in the reverse mortgage market and attempts to shed light on two simple questions: Which client-specific and capital market factors should a practitioner emphasize; and Based on these critical factors, how does early or delayed establishment influence whether a reverse mortgage can improve the probability of clients’ maintaining their retirement […]

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Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions

The importance of effective distribution strategies is rapidly increasing as 78 million baby boomers approach retirement over the next decade.1 The diminished role of defined benefit plans, longer life expectancy, escalating health care costs, and poor equity returns over the last decade are just a few of the issues confronting retirees that create a challenging […]

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The Hidden Value of a Reverse Mortgage Standby Line of Credit

Several recent research articles published in the Journal of Financial Planning have investigated how opening a standby line of credit through a reverse mortgage and strategically spending from this line of credit can help improve the sustainability of retirement income strategies. In this article, I show that the benefits of opening a home-equity conversion mortgage […]

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Several New (and surprisingly beneficial) Uses for Reverse Mortgages in: Gray Divorce, Retirement Income Planning, Settling Estates, BK13 and Solving for Foreclosure

Reverse Mortgage for Gray Divorce

Tuesday, July 19th @ 12:00 pm – 1:30 pm, San Rafael   Attention Marin County Bar Association Members -Family Section and Others Speakers: Mary Jo Lafaye, nmls #246222, HECM Reverse Mortgage Specialist and Barry H. Sacks, J.D., Ph.D.   “Gray Divorce” is increasing. This course will focus on the evolving understanding of the use of reverse mortgages […]

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