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Home Equity as a

        Retirement Solution




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        Over 70 million Baby Boomers  have reached retirement age and although the average
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        savings per household is less than $200,000 , these consumers have $6.9 trillion tied up in
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        their home equity .  Consequently, savvy financial professionals are considering the impact
        of including home equity loans in their clients’ longevity, liquidity, and legacy objectives.
        The FHA-insured Home Equity Conversion Mortgage (HECM) loan is a legitimate and
        valuable strategic tool to enhance the financial outcomes for retirees that meet the age
        and equity qualifications.

                                                                                         “Having a buffer asset can
        In an interactive presentation, we will:                                          help manage sequence of

             Reveal economic realities of the current retirement crisis                   returns better and make
             Enhance your knowledge of the strengths, weaknesses, misconceptions,         a retirement income plan
             & strategic uses of HECM loans                                                     more efficient.”
               Share strategies to overcome sequence of returns risk in down markets
                                                                                          - Wade Pfau, Professor of retirement
             Uncover how a HECM loan can protect value and access equity                   income at The American College of
             regardless of the performance of real estate                                        Financial Services



        Program Overview                                       Program Outline
        This workshop will specifically address research &     I.  The Economic Impact of the Boomer Generation
        math revealing that the HECM loan is no longer
        simply a needs-based product, but rather a             II.  Home Equity as an Asset Class
        meaningful strategic tool to address retirement
        needs of mass affluent families.                       III.  Overview and Common Questions from Advisors
                                                                  Regarding Home Equity Conversion Mortgages

                                                               IV.  Nine Financial Strategies Using HECMs in
                                                                  Distribution Planning


                                                               V.  Impact on the Financial Professional Practice
                                                               VI.  Questions & Discussion






                                             REGISTER ONLINE:


                                          aag.expert/FPwebinars






        Sources: ¹US Census - https://www.census.gov/prod/2014pubs/p25-1141.pdf, ²Economic Policy Institute - http://www.epi.org/publication/
        retirement-in-america/, ³NRMLA - https://www.nrmlaonline.org/about/press-releases/housing-wealth-for-homeowners-62-reaches-6-9-
        trillion-in-q2-2018.
        For industry professionals only – not intended for distribution to the general public.
        American Advisors Group, NMLS #9392, headquartered at 3800 W. Chapman Ave, 3rd & 7th floors, Orange, CA 92868. License information on
        www.nmisconsumeraccess.org and www.aag.com/disclosure                                                    AAG091
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