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6 Strategies for Incorporating Home Equity into Your Retirement Plan

November 24th, 2015

Wade Pfau, a professor of retirement income at the American College of Financial Services just recently published a paper on six strategies for using a reverse mortgage as part of your retirement plan.  While there has been more research on

Types of Reverse Mortgages

November 11th, 2015

If you’re considering a reverse mortgage, it’s best to do your homework and educate yourself about your options.  Many people may not know that there are different types of reverse mortgage loans.  While the Federal Housing Administration insured loan program

Creative Ways to Fund Retirement

November 6th, 2015

If you haven’t saved enough for retirement, then you’re not alone.  According to a study by the Government Accountability Office (GAO), almost 29% of households age 55 and older don’t have a retirement savings or pension.  For those that did

Retirees May Need to Live on Less, Work Longer and Save More

January 9th, 2015

According to a recent article on, Americans have not saved enough to provide for their retirement.1 Contributing factors include longer life spans, retiring earlier, less generous pensions, and greater health expenses. The article states that there are only a

Differences Between a Traditional Reverse Mortgage and HECM for Purchase

November 20th, 2014

A Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, is a Federal Housing Administration (FHA) insured loan which enables seniors to access a portion of their home’s equity to obtain tax free1 funds without having to make

How a Reverse Mortgage Can Bridge Retirement Account Shortfalls

November 14th, 2014

A Huffington Post article1 touts the benefits of reverse mortgage loans for moderately wealthy Americans. Historically, reverse mortgage loans have been called the “loan of last resort” and are often marketed toward retirees that “have no other options”. However, there

Three Ways to Save Money This Winter

October 24th, 2014

There is a noticeable chill in the air in most areas of the country this time of year. If you or someone you know is living on a fixed income, the cooler weather can strain finances. If your home is

What Your Heirs Need to Know if You Have a HECM Reverse Mortgage

October 17th, 2014

A Home Equity Conversion Mortgage (HECM), also known as a reverse mortgage, is a nonrecourse loan. This means that if your home is sold to repay the loan, you or your heirs will never owe more than the loan balance

Planning for Long Term Care

July 28th, 2014

Planning for long term care can be a confusing, overwhelming process. Long term care… “is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or

Save Money By Breaking These Habits

July 14th, 2014

We all have little habits that are costing us money. When added up through the years, how much money could you save if you kicked these common money-draining habits1? Aggressive Driving. Not only is fast, aggressive driving bad for your


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