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Paperback. Condición: Good. *This is the Updated 2024 Edition Made Available in January 2024* Reverse mortgages are an important retirement planning tool. This book provides an up-to-date understanding about reverse mortgages and how to use them as part of a complete and responsible retirement plan.I am a professor of retirement income. I may be the only author of a reverse mortgage book who does not work within the reverse mortgage industry. My focus is on finding ways to build strong retirement plans, and this is the perspective I bring to reverse mortgages.I know that reverse mortgages can look expensive in isolation. But reverse mortgages should not be viewed that way. We need to focus on their overall contribution and interactions with other retirement assets as well.Retirement is different from what people are accustomed to when working. Risks change. Retirees must sustain spending while not knowing how long their funds need to last, while managing the risks of a market downturn that can permanently derail a retirement portfolio, and while also being ready to manage unexpected spending surprises.Reverse mortgages can help to manage these retirement risks by providing an additional resource to support spending and to coordinate with other investments assets.My overarching interest is in building efficient retirement income plans to support the most spending potential for assets, both during life and as a legacy for the next generation. I demonstrate with case studies how reverse mortgages can contribute to better retirement outcomes in numerous ways: - Coordinate between spending from the investment portfolio and from the reverse mortgage to better protect investments from market volatility- Avoid the additional burden of fixed mortgage payments in retirement by refinancing a traditional mortgage with a reverse mortgage- Pay for home renovations to help you comfortably age in place with the home you love- Build a bridge to support getting the most lifetime value from Social Security benefits- Use the reverse mortgage as a tax-free spending resource to better manage your taxable income- Use the growing line of credit as a protective hedge for your home value or as a source of reserves to cover unexpected spending needsThis book provides the basics for how reverse mortgages work, why they work better when interest rates are low (unlike every other retirement tool), what their growing line of credit means, and how they help to manage investment volatility.Reverse mortgages---when used correctly---can provide an added layer of security for retirees by creating flexibility for their assets. Opening a reverse mortgage earlier in retirement and using it in a thoughtful manner is generally more effective that treating it only as a last resort option.Those who understand whether and how to fit a reverse mortgage into their retirement plan will have an important edge in achieving a financially secure retirement. This book shows you how.…

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Paperback. Condición: Very Good. This book provides an up-to-date understanding about reverse mortgages and how to use them as part of a complete and responsible retirement plan. Those who understand whether and how to fit a reverse mortgage into their retirement plan will have an important edge in achieving a financially secure retirement.This book is special as I do not work in the reverse mortgage industry and am not trying to sell you a reverse mortgage. Rather, I am a Professor of Retirement Income and director of the Retirement Income Certified Professional(R) designation for financial advisors. I am also the Retirement Researcher. These roles require me to be agnostic and to search for the best from different retirement income styles and tools. This is what led me down the path of studying reverse mortgages and the role they can play in well-constructed and thoughtful retirement income plan. My perspective is on how to build strong retirement plans, and this is the perspective I bring to reverse mortgages.Reverse mortgages have been surrounded by negativity. They were often mentioned alongside phrases like last resort, out of money, and bad choice. My attention was drawn to reverse mortgages to give them an in-depth study. I concluded that reverse mortgages are not inherently a bad idea, though they are often misunderstood and not used in a most beneficial way. I realized that reverse mortgages---when used correctly---can provide an added layer of security for retirees and allow them to enjoy retirement more by having greater flexibility for their assets. Opening a reverse mortgage earlier in retirement and using it in a strategic manner is generally more effective that treating a reverse mortgage as a last resort option only to be considered when all else has failed. After providing an overview of retirement income planning, which sets the context for understanding the potential role of reverse mortgages, I will give you a firm understanding about the basics for how reverse mortgages work. You will understand why they work better when interest rates are low (unlike every other retirement tool), the potential for line of credit growth, and their ability to help manage sequence of returns risk for investment assets. Then I dive into their flexibility and many potential uses: Use to refinance your traditional mortgage so you do not have fixed mortgage payments chomping away at your retirement assets in your early retirement yearsUse to fund home renovations to support aging in place and allow you to stay in your home for longerUse the Home Equity Conversion Mortgage (HECM) for Purchase program to obtain a new primary residence while reducing the strain on your other assets to cover the costCoordinate spending from your reverse mortgage line of credit with your other investment assets to better manage the risks associated with a downturn in the financial marketsUse as a bridge to help cover spending while delaying your Social Security benefits to get the most lifetime value from Social SecurityUse as a spending source to avoid shifting into a higher tax bracket or to pay for the taxes on strategic Roth conversionsUse to pay premiums on existing long-term care insurance policies to avoid lapsing if there is a premium increaseUse the growing line of credit as a protective hedge for your home valueUse the growing line of credit as a source of reserves to cover unexpected bills or to divide the home value as part of a divorce settlement.…

Paperback. Condición: Good. Reverse mortgages have been surrounded by negativity. They were often mentioned alongside phrases like last resort, out of money, and bad choice. In 2014, intrigued by the seemingly universal bad rap reverse mortgages had cultivated, Dr. Wade Pfau began researching them in depth. Over the course of the next year, he came to the conclusion that reverse mortgages aren't inherently a bad idea, though they are often misunderstood and not used in a most beneficial way. In fact, Dr. Pfau realized that reverse mortgages---when used correctly---can provide an added layer of security for retirees and allow them to enjoy retirement more by gaining liquidity from an illiquid asset.…