Welcome to

Picture of  Academy for Home Equity in Financial Planning Members

What should an older American do with their home as they age? Homes are often the largest source of equity for a family, but they are generally not liquid assets. As homeowners age when does assisted living become an option? How is that paid for in a time without as many retirement pensions as a decade ago?

These questions are ones the Academy is interested in answering. Sometimes with sound financial planning, sometimes with types of loans or borrowing strategies, often by selling a home outright.

The financial service industry often prohibits agents and professionals from providing advice in the area of home equity. Once I give advice on your home, a fiduciary duty of care may apply. And not every agent is capable of prudent and loyal advice in this area. So we have a conundrum. Agents and advisors are not being trained to provide this critical advice, consumers go without help. And our academy is aimed at helping bridge this gap.

Recent Posts

Morgan Stanley says “Every American’s Home Is Their Retirement Asset”

By Daniel Hunt, Lisa Shalett, Zi Ye, and Stephanie Wang on March 31, 2020

The answer to the question, “How prepared are you for retirement,” depends a lot on whether you look holistically at the balance sheet, including home equity, or just at the portfolio and income sources like Social Security. When home equity is ignored, that can cause households to make suboptimal decisions, such as forgoing longplanned spending it could afford or taking more investment risk than it’s comfortable with. When a questionable decision like that encounters the kind of market downturn we are currently experiencing, it can do serious damage to household finances and well-being.

Find the report here:

  1. What is a Reverse Mortgage and How Does it Work? Comments Off on What is a Reverse Mortgage and How Does it Work?
  2. How to Recession-proof Your Retirement Have a Mortgage and are age 62+? Consider a Reverse Mortgage Comments Off on How to Recession-proof Your Retirement Have a Mortgage and are age 62+? Consider a Reverse Mortgage
  3. How to create a retirement ‘paycheck’ Comments Off on How to create a retirement ‘paycheck’
  4. Reverse Mortgages Can Help House-Rich Seniors Free Up Cash for Retirement. Here’s How They Work. Comments Off on Reverse Mortgages Can Help House-Rich Seniors Free Up Cash for Retirement. Here’s How They Work.
  5. What To Know Before Getting A Reverse Mortgage Comments Off on What To Know Before Getting A Reverse Mortgage
  6. Lifetime Income for Women: A Financial Economist’s Perspective Comments Off on Lifetime Income for Women: A Financial Economist’s Perspective
  7. Upcoming Webinar: Expanding Reverse Mortgage Market Opportunities with Proprietary Products sponsored by Reverse Mortgage Funding LLC Comments Off on Upcoming Webinar: Expanding Reverse Mortgage Market Opportunities with Proprietary Products sponsored by Reverse Mortgage Funding LLC
  8. “Live Well Without Running Out of Money in Retirement” Comments Off on “Live Well Without Running Out of Money in Retirement”
  9. Exploring the Retirement Consumption Puzzle Comments Off on Exploring the Retirement Consumption Puzzle