Home Equity to Help Grandchildren Pay for College

As Certified Financial Planners®, you often work with clients who want to make a lasting impact on the lives of their loved ones. One common goal? Helping grandchildren start adulthood on solid financial footing—especially by avoiding burdensome student loan debt.

Client Situation: Planning for a Purpose

A client recently shared their long-standing wish:
“I’ve always wanted to leave something for my heirs, but I don’t want my grandchildren starting life with a mountain of debt.”

With several grandchildren preparing to attend college, this client saw an opportunity to provide meaningful support now, while they’re alive to witness the impact.

Client Solution: A Home Equity with Purpose

We helped the client explore a Second Reverse Mortgage— A Second Reverse Mortgage is designed for homeowners aged 55 and older that have a low interest rate on their 1 st mortgage. In this case their interest rate was 2.75% Since a Second Reverse Mortgage has no Mandatory mortgage payments as long as the clients live in their home they were able to help without the added expense of monthly payments.

The Result: by leveraging the equity in their home, they were able to provide their Grandchildren funds for tuition, room and board, books, and living expenses without any added expense such as monthly payments.

Why This Matters

According to a 2024 College Ave survey, only 44% of parents with a child in college felt financially prepared to cover their first tuition bill. And U.S. News data shows the average college sticker price increased again in the 2024-2025 academic year across both public and private institutions.

This financial pressure often trickles down to grandparents who want to help—but aren’t sure how to do so without compromising their own retirement. That’s where thoughtful planning—and tools like a home equity option—can offer a strategic solution.

Starting the Conversation with Clients

Do you have family members or loved ones who could use your financial support now?
Do you have grandchildren approaching college age?
How do they plan on paying for their education?
Have you considered the idea of a living legacy—helping while you're here to see the impact?
How would it feel to know your support helped them graduate debt-free?

Helping a client use home equity to fund college expenses isn’t just about finances—it’s about dignity, legacy, and making memories that will last a lifetime.

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!

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.

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The Benefits of Physical Activity in Older Adults

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.