Retirement Dreams: A Conversation Starter for Your Clients

July 8, 2025

Your clients are approaching retirement. Their financial accounts are in order, designed to support them for years to come. But have you asked them about their dreams?


Retirement isn't just about managing assets—it’s about living life fully. Maybe it’s finally time for that dream vacation they’ve been talking about for years. Or perhaps the spouse who’s always loved painting now wants to rent a studio and pursue her passion more seriously.


Start the conversation with meaningful questions:


  • Do you have a hobby or passion you haven’t been able to fulfill?

  • If money weren’t a concern, how would you spend your time?

By accessing home equity through a reverse mortgage clients can unlock tax-free funds to pursue these dreams. Unlike a cash-out refinance or a traditional HELOC, this type of loan doesn’t require monthly payments and is specifically designed to support retirees. Proceeds can be received as a lump sum (after any existing mortgages and fees are covered), monthly disbursements, or as a growing line of credit.


Sure, your clients could put that dream vacation on a credit card—but is that really the best choice? With average credit card interest rates hovering around 25%, and mandatory monthly payments, that dream vacation could end up costing them 125% or more over time.


A reverse mortgage, by comparison, offers rates currently around 8%, with no monthly mortgage payment required, allowing your clients’ retirement savings to do the job it was intended for.


Have a Reserve Fund for future needs or opportunities …Travel, Pamper yourself…..Why Not It’s Your Money



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.

“When Your Client Has a First and Second Mortgage”

June 30, 2025
You’re sitting down for a regular financial review when your client opens up. “Honestly, inflation has really thrown off our monthly budget. We’re trying to stay ahead, but it’s tight—and we’re coming up short to close on the reverse mortgage we were considering.” After some discussion, they reveal they’re carrying both a first and second mortgage—and it’s that second mortgage payment that’s tipping the scale. They say: “If I could just get rid of the second, we’d be in a much better place.” This is your moment to dig a little deeper. Ask thoughtful, open-ended questions: “Are you comfortable with your monthly mortgage payments on the 1st loan?” “How would things change for you if you no longer had to make that second mortgage payment?” “If you weren’t sending that money to the bank each month, how would you use it instead?” These questions do more than gather facts—they invite your client to imagine financial breathing room. Possible Solution: A Second Reverse Mortgage In cases like this, a Second reverse mortgage , an exclusive program from one of our partners may offer relief. This product can be used specifically to pay off a second mortgage, freeing up monthly cash flow while allowing the client to remain in their home. No required monthly payments – unlike a HELOC or credit card, this loan doesn’t add pressure to their monthly budget. Fixed interest rate – clients can avoid the unpredictability of rising rates. No effect on the current first mortgage It’s not about taking on more debt—it’s about strategically restructuring it to work for them, not against them. In this scenario, the client chose to use Second Reverse Mortgage to pay off their second mortgage. The result? No more monthly payment on the second loan—and a noticeable difference in their day-to-day finances. 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.

Leaving a Living Legacy: Using Home Equity to Help Grandchildren Pay for College

June 24, 2025
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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