Give Your Clients a Smarter Retirement Strategy
Partner with a reverse mortgage specialist who speaks your language — sequence risk, portfolio longevity, tax efficiency — and stays in his lane so you remain the lead advisor.
Why Reverse Mortgages Belong in Your Planning Toolkit
HECMs are increasingly recognized in the financial planning community as a tool for improving retirement outcomes — not a last resort. Here’s how they support the plans you build.
Reduce fixed expenses in retirement
Eliminate monthly mortgage payments to lower your clients’ required cash flow and improve portfolio longevity. Less pressure on the withdrawal rate means more flexibility in down markets.
Hedge against sequence-of-returns risk
A growing HECM line of credit can serve as a standby source of funds when markets are down. Draw from the LOC instead of selling investments at a loss — a strategy supported by retirement research.
Delay Social Security to maximize benefits
Use reverse mortgage proceeds (lump sum or line of credit) to bridge the gap while clients delay claiming. Higher lifetime benefits and often better tax efficiency in the long run.
Create a tax-free income source
Loan proceeds from a reverse mortgage are not taxable income. They don’t increase AGI or affect Medicare premiums or Social Security taxation — a useful lever for tax-aware planning.
Protect portfolios from forced liquidation
When clients need liquidity in a down market, the HECM LOC can reduce or eliminate the need to sell assets at depressed values. That helps preserve portfolio recovery when markets rebound.
The Standby Reverse Mortgage Strategy
One of the most powerful applications is establishing a HECM line of credit early — even if your client doesn’t need to draw from it right away.
The unused line of credit grows over time at a contractually defined rate, regardless of changes in home value. So a client who opens a HECM LOC at 62 or 65 may have a meaningfully larger available credit line at 75 or 80 — exactly when sequence risk and longevity risk are most acute. That growing LOC acts as a financial safety net without requiring any ongoing draw.
This approach has been published in the Journal of Financial Planning and is endorsed by respected retirement researchers. It’s a coordination strategy, not a product push: you decide when and how it fits the plan; a specialist like Jerry handles the mortgage side.
Example: Standby LOC at 65, draw at 78
A client establishes a HECM line of credit at age 65 with a $200,000 principal limit (based on home value, age, and rates at that time). They don’t draw a dollar for 13 years. Because the unused LOC grows each year, by age 78 the available credit could be in the $350,000–$400,000 range — depending on the growth rate in the loan terms. If the market drops in their late 70s, they can tap that LOC instead of selling equities. You’ve built that flexibility into the plan from day one.
How We Work Together
You stay in the lead. Jerry handles the mortgage — and never crosses into financial planning advice.
You identify a client who could benefit
Anyone 62+ (or approaching 62) with home equity and retirement-planning needs — whether they need cash flow now or a standby LOC for the future — may be a fit.
Introduce them to Jerry for a no-pressure educational conversation
A warm introduction is all it takes. Jerry explains how HECMs work, eligibility, and costs. No product pressure; the client (and you) get clear information to decide.
Jerry handles all mortgage education, counseling coordination, and processing
HUD-approved counseling, application, underwriting, and closing — Jerry runs the mortgage side so you can focus on the overall plan.
Your client's retirement plan is strengthened, your relationship deepens
Your client has another tool in place; you’ve coordinated with a specialist who respects your role. Jerry never gives financial planning advice — he stays in his lane and supports the planner–client relationship.
Jerry never gives financial planning advice. He stays in his lane and respects the planner–client relationship — so you remain the lead advisor.
What Financial Planners Say
Testimonials from advisors who partner with Jerry will go here.
“Placeholder for financial planner testimonial. Once you have a quote from a CFP, ChFC, or other advisor who has referred clients to Jerry, add it here. Keep it focused on coordination, trust, and outcomes — e.g., how the standby LOC strategy complemented their plan.”
— Advisor name, designation, firm
Resources for Planners
Tools and learning opportunities to help you integrate reverse mortgages into your practice.
Connect with Jerry
Tell us a bit about you and your practice. Jerry will reach out to discuss how we can work together.
Schedule a Call with Jerry
Whether you want to explore the standby LOC strategy, coordinate on a specific client, or schedule a CE session for your firm — Jerry is here to help.