Aging in Place: Planning Ahead for Comfort, Safety, and Peace of Mind

May 14, 2025

 Aging in place: Planning Ahead for Comfort, Safety, and Peace of Mind

Client Story


One of my clients came to me looking for help in financing the remodeling of his home to make it safer as he got older. 

In 2021 he refinanced their $2.5M home that had a $510K 1st mortgage for 2,75 % fixed.  It would have been crazy to refinance again at 8%, they had already looked at a HELOC and a conventional second mortgage and they were 8%  with mandatory monthly payments. 

As luck would have it, one of my lenders had just come out with a unique Reverse Mortgage product, a Reverse Second Mortgage with no mandatory monthly payments. They were approved for a $1M Reverse Second Loan without adding a new monthly mortgage payment.

Now, they’ve got a safer home and peace of mind, all while keeping their original mortgage intact.


How often do you hear a client say,
“I plan to live in this house forever”?
And how often do they follow it up with,
“...but it needs some updates”?


That’s the reality for many older homeowners. In fact, 9 out of 10 say they want to stay in their home as long as possible. But as much as we love the comfort and memories tied to our homes, the truth is—those same homes may not be designed for the way we live as we age.

Here’s something important to consider: 1 in 3 adults over 65 falls each year, and half of those falls happen at home. For those over 85, the risk is even higher. It’s one of the leading causes of injury among older adults.

That’s why conversations about aging in place are so important. And not just for today, but for the future.


The Takeaway

Even if your clients are active and independent today, it’s wise to ask:
Is your home set up for aging in place?  What happens if mobility becomes a challenge down the road?


The goal isn’t to worry—it’s to be proactive. A few smart decisions today can help create a home that not only works better tomorrow, but adds comfort and value right now.


Let’s help our clients stay safe, independent, and confident in the place they call home.



Could This Strategy Benefit Your Clients? Let’s Find Out!

Do any of your clients fit this scenario? Retirement in Reverse would be happy to provide a customized, hypothetical scenario to help you assess if this strategy could be a valuable solution. Let’s explore how we can make it work for your clients!



Who would have ever thought you could use a reverse mortgage for this?

Today’s reverse mortgage is no longer the loan of last resort. It’s a flexible financial tool that can be used strategically for:

  • Charitable giving
  • Buy-sell agreements
  • Paying for long-term care or in-home support
  • Funding a business venture
  • Helping Grandkids Fund College Expense
  • Gift down payment to your Kids
  • Any many more….

It’s all about what the money costs. It’s just math.


Retirement In Reverse offers Objective, Competent Advice to help you make informative decisions for your clients.
Furthermore, we have
No Conflict of Interest, as we do not sell Financial Product, nor enter into financial planning engagements. We share your commitment to your clients’ financial stability and quality of life.



September 3, 2025
Physical activity is important at any age, but the biggest benefits of staying active might come in your golden years. Engaging in regular physical activity is a critical component of healthy aging, promoting wellness, functional independence, and an overall better quality of life. Key Benefits of Physical Activity Improved Attitude and Mood Exercise can significantly enhance mental health, reducing symptoms of depression, anxiety, and stress. Physical activity releases endorphins, which act as natural mood lifters, helping to improve your overall outlook on life. Better Sleep Regular exercise helps regulate your sleep patterns, making it easier to fall asleep and stay asleep through the night. Quality sleep is crucial for overall health and well-being, especially as we age. Stress Reduction Physical activity is a great way to manage stress. Exercise reduces levels of the body's stress hormones, such as adrenaline and cortisol. It also stimulates the production of endorphins, chemicals in the brain that are natural painkillers and mood elevators. Enhanced Mental Health Regular physical activity can help manage mental health conditions such as depression and anxiety. Outdoor exercise, in particular, can provide the added benefits of sunlight, which aids in the absorption of calcium and helps prevent depression. Physical Health Benefits Cardiovascular Health Sustained exercise improves cardiovascular function, reduces heart rate, lowers blood pressure, and enhances circulation. This can prevent conditions like myocardial infarction and atherosclerosis, leading to a healthier heart and vascular system. Bone and Muscle Strength Weight-bearing exercises and strength training increase muscle mass and bone density, which is especially important for aging women at risk of osteoporosis. Regular activity can delay or decelerate bone loss, reducing the risk of fractures. Improved Flexibility and Balance Activities such as stretching, bending, and twisting help maintain flexibility and coordination, which are critical for preventing falls and maintaining independence. Weight Management Regular physical activity helps control weight by burning calories and increasing muscle mass. This is crucial for managing and preventing obesity, diabetes, and other chronic conditions. Designing an Effective Exercise Program For physical activity programs to be effective for older adults, they should be multidimensional, combining: Weight Training for Strength Aerobic Exercise for Endurance Calisthenics for Flexibility Despite the clear benefits, only about 71% of adults aged 65 and over participate in leisure-time physical activity, and only one-third achieve the recommended levels. Interventions to encourage a sedentary older adult to initiate physical activity, as well as those to help maintain it, are essential. Incorporating physical activity into daily life not only enhances physical health but also contributes significantly to mental wellness and quality of life. It is never too late to start reaping the benefits of a more active lifestyle. Always consult with a healthcare provider before beginning any new exercise program to ensure it is safe and appropriate for your health conditions. By embracing regular physical activity, older adults can look forward to a more vibrant, independent, and enjoyable life. Find a physical activity that you love doing and do it every day, soon it will become a healthy habit. Have fun:) Author: Kinga Wulczynska-Lauer Disclaimer: Retirement In Reverse is a mortgage company dedicated to serving older adults, financial planners, and wealth managers with a strong focus on education and informed decision-making. While we strive to provide helpful information on a variety of topics, we are not experts in all areas. That’s why we collaborate with a trusted network of professionals—including attorneys, tax advisors, and financial planners—to help connect you with the right expert based on your individual needs. The information provided in this article is for educational and illustrative purposes only. Before making any financial, legal, or lifestyle changes, we strongly recommend consulting with a qualified professional who can review your personal situation. If you are considering Reverse Mortgage, call Ted Lange at 760-753-1568 to learn more.
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