For Financial Advisors
Your clients have a missing asset class.
Home equity is typically the largest asset on your clients' balance sheets — and the one most often left out of their retirement income strategy. We can help you change that.
Typical client retirement portfolio
The opportunity
How many clients are underfunded?
Every year we work with financial advisors who recognize that their clients are falling short on retirement income. The assets are on the balance sheet — locked inside the home. A properly structured reverse mortgage strategy can help bridge that gap without requiring clients to sell their home or increase their portfolio withdrawals.
A reverse mortgage isn't right for every client. But for clients who are home-equity rich and cash-flow tight, it can be transformative.
Client benefits
What a reverse mortgage can do for your clients
Eight ways a HECM can strengthen a retirement income plan.
Eliminate mortgage payments
Remove the mortgage payment from retirement expenses, immediately improving monthly cash flow without touching invested assets.
Reduce distribution drain
Reduce forced withdrawals from investment portfolios, preserving more assets for growth and reducing sequence-of-returns risk.
Growing line of credit
Set up a HECM line of credit that grows over time — available for unexpected expenses, long-term care, or supplemental retirement income.
Monthly cash flow for life
Structure recurring monthly payments for life — a reliable income stream that supplements Social Security and portfolio distributions.
Consolidate consumer debt
Pay off high-interest consumer debt at retirement, reducing monthly obligations and freeing up cash flow for other priorities.
Maximize Social Security
Delay Social Security claiming while using home equity as a bridge — increasing lifetime benefits for clients who can afford to wait.
Fund long-term care
Pay for in-home care, assisted living transitions, or long-term care needs — keeping clients in their homes longer and preserving dignity.
Improve retirement lifestyle
Help clients maintain the quality of life they planned for — travel, family, experiences — without the anxiety of outliving their assets.
Risk management
A powerful tool for reducing retirement risk
Reverse mortgages address three of the most significant risks in retirement income planning.
Longevity risk
A HECM tenure payment lasts for life — no matter how long the client lives. Home equity becomes a buffer against outliving portfolio assets, eliminating one of the biggest fears in retirement planning.
When markets drop early in retirement, forced portfolio withdrawals lock in losses permanently. A HECM line of credit provides an alternative income source during down markets, giving the portfolio time to recover.
Sequence of returns risk
Withdrawal rate risk
Supplementing income with home equity allows clients to reduce their initial portfolio withdrawal rate — significantly extending the life of invested assets and reducing the probability of portfolio depletion.
How we partner with you
Three ways to work together
01
Lunch & Learn
We come to your office, feed your team, and deliver a focused presentation on how reverse mortgages integrate into retirement income strategies. No sales pitch — just education your clients will benefit from.
Learn more02
Workshops & CE
We offer workshops and educational events for financial professionals covering home equity in financial planning, HECM mechanics, and the latest research on reverse mortgages as a retirement tool.
View workshops03
Client referrals
When you identify a client who might benefit, we work alongside you — not around you. We educate, you advise. We handle the HECM; you stay in control of the overall plan. Your relationship stays yours.
Start a conversationLet's connect
Ready to explore home equity as a planning tool?
Contact us to schedule a no-obligation consultation, arrange a Lunch & Learn for your team, or simply ask a question about a specific client situation.
Also for partners
NMLS #1382816 | Utah DRE #9441193
This material is not from HUD or FHA and has not been approved by HUD or a government agency.
A reverse mortgage is a loan that must be repaid. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the property as a primary residence. Failure to do so may result in foreclosure.
Reverse mortgage proceeds are not taxable income. Consult a qualified tax professional regarding your client's individual financial situation.
Reverse Freedom Mortgage is licensed in the State of Utah. 9089 S 1300 W STE #110, West Jordan, UT 84088.
Utah's reverse mortgage specialists since 2008. Helping Utah retirees live the retirement they imagined.
HUD/FHA Notice: This material is not from HUD or FHA and has not been approved by HUD or a government agency.
Loan Repayment: A reverse mortgage is a loan that must be repaid. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the property as a primary residence. Failure to do so may result in foreclosure.
Reverse Freedom Mortgage is licensed in the State of Utah. NMLS #1382816, Utah DRE License #9441193.
© Reverse Freedom Mortgage. All rights reserved.