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The Reverse Mortgage: A Strategic Lifetime Income Planning Resource

Tom Davison and Keith Turner
The Journal of Retirement Fall 2015, 3 (2) 61-79; DOI: https://doi.org/10.3905/jor.2015.3.2.061
Tom Davison
is a blogger at toolsforretirementplanning.com in Columbus, OH.
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  • For correspondence: tcbdavison@gmail.com
Keith Turner
is a reverse mortgage advisor at Retirement Funding Solutions in Columbus, OH.
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  • For correspondence: KTurner@rfslends.com
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Abstract

There is little doubt that many older Americans are not well prepared financially. The reverse mortgage is a financial instrument that can brighten their financial prospects and reduce the chances of an old age in financial straits. This article explains how reverse mortgages work. Recent research shows that strategically combining reverse mortgages and investment portfolios can significantly boost sustainable retirement income. Moreover, in the last three years the regulatory framework has been revised to develop further the market for these instruments. Reverse mortgages are increasingly recognized as a valuable financial planning tool. They are now seen as well suited for retirees—not only underfunded homeowners who turn to a reverse mortgage as a last resort, but also those who enter retirement well-funded.

TOPICS: Retirement, MBS and residential mortgage loans

  • © 2015 Pageant Media Ltd
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The Journal of Retirement: 3 (2)
The Journal of Retirement
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Fall 2015
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The Reverse Mortgage: A Strategic Lifetime Income Planning Resource
Tom Davison, Keith Turner
The Journal of Retirement Oct 2015, 3 (2) 61-79; DOI: 10.3905/jor.2015.3.2.061

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The Reverse Mortgage: A Strategic Lifetime Income Planning Resource
Tom Davison, Keith Turner
The Journal of Retirement Oct 2015, 3 (2) 61-79; DOI: 10.3905/jor.2015.3.2.061
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Jump to section

  • Article
    • Abstract
    • How a Reverse Mortgage Works
    • Extensive Improvements to HECM Reverse Mortgages
    • Primary Organizations Involved with Reverse Mortgages
    • Key Reverse Mortgage Features for Retirees
    • Growth of a Reverse Mortgage Line of Credit (RMLOC)
    • Expanding Reverse Mortgage User Demographics
    • How Reverse Mortgages Can Increase Retirees’ Financial Wellbeing
    • Reverse Mortgages: The 6.0% Rule for Sustainable Withdrawals?
    • Reverse Mortgage Monthly Payment Plans
    • Standby Reverse Mortgage: Salter, Evensky, and Others
    • Fundamental Factors in Reverse Mortgage Synergy with Portfolios
    • Refinancing Traditional Mortgages with Reverse Mortgages
    • Case Study: Replacing a Traditional Mortgage with a Reverse Mortgage
    • A Reverse Mortgage Can Exceed the Home’s Value, Assuring the Home’s Value
    • Reverse Mortgage Scenarios with Second or New Homes
    • Lifetime Impact of Reverse Mortgages on Spending and Net Worth/Estate Size
    • Reverse Mortgages: Harmful, or A Key Tool for Improved Retirements in an Age of Longevity?
    • APPENDIX A
    • ENDNOTES
    • References
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