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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

How to create a retirement ‘paycheck’

Posted January 3, 2020

Your expenses don’t end when your paychecks do, but creating a reliable income stream in retirement can be tricky. The right choices can result in sustainable income for the rest of your life. The wrong choices could leave you uncomfortably short of cash.

In fact, retirement includes so many important, potentially irreversible decisions that most people could benefit from a few sessions with a fee-only, fiduciary financial planner. (Fiduciary means the advisor is committed to putting your interests ahead of their own.) These ideally would start about 10 years before retirement. Understanding some key concepts could make those discussions easier — or keep you from making serious mistakes if you take a do-it-yourself approach.

Find the full article here.

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