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Options that will increase your social security check

American retirees today are less prepared than previous generations. It has been suggested that you need over $1 Million dollars saved to properly retire.   Yet, according to a BankRate survey in 2017 those aged 56 to 61 only have $163,577 set aside for their golden years. This indicates a huge…

Downsize to apartment or smaller home in retirement? Look back 15 years to see the future

I recently met with “Helen” as she was in the process of selling her home she had purchased in LA County 30 years ago.  Her home value went up a whopping $600,000 of which she will be able to keep about $300,000 after paying off mortgage and realtor fees.  Helen…

Journal of Financial Planning: During market drops, using this strategy extends retirement survival by decades

For retirees with substantial investments in the stock market, February was a scary ride.  On the 5th investors held their collective breath as the Dow Jones Average free fell almost 1,600 points; marking the biggest single-day point drop in stock market history.  For those living on their stock market returns, February…

Get paid 6% compound growth on the equity in your home!

You are of Reverse Mortgage (RM) age but, you don’t need the money.  You should get a RM anyway.  There is a powerful tool in a RM called a Line of Credit Growth Rate.  On the HECM(Home Equity Conversion Mortgage) Annual program with an initial rate of 4.35% (plus monthly…

HERO/PACE loans can now be paid off with a reverse mortgage

The United States has bet heavily on solar power, to the tune of 39 Billion in annual solar subsidies.  California has also heavily invested in solar power with over $250 million dollars spent helping homeowners to install solar panels on their rooftops, energy efficient windows and doors, heating and cooling…

HTL Reverse Mortgage: Face to face service with LOW PRICE GUARANTEE

Your home holds a special place in your heart.  It is where friends come to visit, the place where your children come and bring your grandchildren for the Holidays.  It is your refuge from the chaos out in the world.  Your house is probably your largest nest-egg to help you…

BREAKING NEWS: FHA pays out more money on reverse mortgages starting 1/1/2018

Since the Reverse Mortgage (RM) program inception in the 1980’s there has been a cap on the value a RM will use to qualify a borrower on the program.  This year the cap is $636,150; meaning, if a home appraises for $1,000,000 the program only uses the max claim value…

Reverse Mortgages used differently by the wealthy

As noted by Steven A. Sass of Boston College Center for Retirement Research: “Retirement planning generally focuses on the use of financial assets.   However, home equity is the largest store of savings for most households entering retirement.”  In fact, the 2010 US Census shows that the average American 65 and…

Don’t go broke in retirement, avoid these mistakes

After all the years you’ve spent building your nest egg for retirement and the hard work you’ve put in, you’ll want to be extra careful in order to avoid spending your money too quickly. In addition, you’ll also want to watch out for tax traps and fraudulent scams that can…