Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions – John Salter

Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions - John Salter

Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions – John Salter

Reverse mortgages for the mid-market’s largest asset, home equity, may now have a place in mainstream investment and cash management during retirement.

As retirement counselors, we need to understand options for helping retired clients appropriately use their home equity if their economic situation requires it.

Gain insight on how a reverse mortgage home equity line of credit can be used to increase the longevity of a retiree’s investment portfolio and increase the chances of their savings lasting their lifetime.

In “Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions” by John Salter you will learn how:

  1. To use an HECM Saver reverse mortgage as a risk management tool in conjunction with a two-bucket investment strategy, called the “Standby Reverse Mortgage Strategy” (or SRM).
  2. To use an HECM Saver reverse mortgage line of credit to supplement cash living needs when an individual’s investable retirement savings values fluctuate
  3. This income management strategy substantially increases the longevity of a retiree’s portfolio and ability to meet goals, primarily due to lowering the risk of needing to sell investments when values have declined.

John Salter, PhD, CFP®, AIFA®, Associate Professor, Personal Financial Planning, Texas Tech University John Salter, PhD, CFP®, AIFA®, Associate Professor, Personal Financial Planning, Texas Tech University

John teaches in the areas of retirement planning and portfolio management and his research interest is in the area of retirement planning and income management. John is also a Vice-President and Wealth Manager at Evensky & Katz Wealth Management in Coral Gables, Florida and Lubbock, Texas.

Moderator: Betty Meredith, CFA, CFP®, CRC®, Int’l Retirement Resource Center

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