Integrating Home Equity and Retirement Savings Through the “Rule of 30” – Neuwirth and Sacks – Learn more
It is well-documented that most people reaching retirement age have savings (whether in a 401(k) account or otherwise) that are inadequate to meet their consumption needs during retirement.
Recent research has shown that integrating home equity with retirement savings provides a strong enhancement of the amount available throughout retirement.
The enhancement is obtained by the use of a simple “coordinated” strategy, which involves a reverse mortgage credit line to offset adverse investment returns in the savings portfolio.
In this one-hour session, you will learn:
- What the conventional strategy (a passive strategy) is for the use of home equity to enhance retirement income;
- What the “coordinated” strategy (an active strategy) is for the use of home equity to enhance retirement income;
- How to perform a simple estimate to determine the amount of inflation-adjusted cash flow a retiree can reasonably expect throughout a 30-year retirement.
Overall Rating: 4.5 / 5
Retail: $29.00Add to Cart
This on-demand webinar is a recording of a recent live webinar. Check our WEEKLY REBROADCAST SCHEDULE where there is no need to take the online quiz to receive CE. You may also take this on-demand course any time for 1 hr CFP®, CRC®, and other Continuing Education Credit when you pass the online quiz.
Your presenters are:
Peter Neuwirth, FSA, FCA
Peter Neuwirth is a Fellow of the Society of Actuaries, the highest designation they offered, a and Fellow of the Conference of Consulting Actuaries. He worked with WIllis Towers Watson for 38 years in both the insurance and the pensions world as a consulting actuary helping large companies manage their retirement programs. He is now retired and pursues freelance/independent projects that could benefit from actuarial thinking.
In October, 2017, Peter Neuwirth, together with Barry and Stephen Sacks, published another article in the Journal of Financial Planning titled “Integrating Home Equity and Retirement Savings through the “Rule of 30”” which expands the prior research to the middle market from just the more affluent market, and the findings of which will be presented to you in this webinar.
Barry H. Sacks, PhD, JD
Barry Sacks, Ph.D. earned his Ph.D. in semi-conductor physics from M.I.T., and then taught at U.C. Berkeley. He earned a J.D. Harvard Law School, and is a Certified Specialist, Taxation Law, from the California Board of Legal Specialization. Barry spent 35 years as an ERISA attorney, specializing in qualified retirement plans. He then used his breadth of skills to discover a role for a reverse mortgage to help make a retirement portfolio last longer. Barry now has a law practice providing special services to tax professionals in the area of “Offers in Compromise” for retirees living on 401(k) accounts or other securities portfolios.
Moderator: Betty Meredith, CFA, CFP®, CRC®, Int’l Retirement Resource Center
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