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Find out how a reverse mortgage can provide your client
with a more secure retirement TODAY.

Call your local Reverse Mortgage

Professional for more information!

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*Loan proceeds are paid tax free; consult your tax advisor. ** If you qualify and your loan is approved, a HECM Reverse Mortgage must pay off your existing
mortgage(s). With a HECM/Reverse Mortgage, no monthly mortgage payment is required. Borrower must continue to pay for property taxes, homeowner’s
insurance and home maintenance. Source: Retirement Derailers survey released by Ameriprise Financial in February 2013. Koski research interviewed
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1,000 working Americans ages 50–70 with at least $100,000 in investable assets. Monte Carlo simulation method produces a range of estimated portfolio
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outcomes an investor may experience over a designated period. Monte Carlo is not offered as a tool for forecasting market performance or determining
a sustainable withdrawal rate during retirement. It does not reflect historical returns of any portfolio mix or asset class, and should not serve as a guide or
substitute for ongoing management of wealth during retirement. Scenario created via Vanguard ‘Retirement Nest Egg Calculator, retrieved from:https://
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retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf on 17 May 2016. Calculations are based on the initial
balance of the retiree’s portfolio at $600,000 based on the portfolio being invested at 60% stocks and 40% bonds. Calculations of investment gain/loss and
of retirement income withdrawal of 5.8% are performed each year in a 30 year period based on historical data. Scenario created via Vanguard ‘Retirement
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Nest Egg Calculator, retrieved from: https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf on 17 May
2016. Calculations are based on the initial balance of the retiree’s portfolio at $600,000 based on the portfolio being invested at 60% stocks and 40%
bonds. Calculations of investment gain/loss and of retirement income withdrawal of 4% are performed each year in a 30 year period based on historical
data. ”The Disappearing Defined Benefit Pension and Its Potential Impact on the Retirement Incomes of Baby Boomers”, Social Security Administration,
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2009, https://www.ssa.gov/policy/docs/ssb/v69n3/v69n3p1.html “Calculators: Life Expectancy”, Social Security Administration, 2016, https://www.ssa.
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gov/planners/lifeexpectancy.html ”2016 Tax Brackets”, Tax Foundation, 2015, http://taxfoundation.org/article/2016-tax-brackets ”Who Needs Care?”
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Administration on Aging, 2016, http://longtermcare.gov/the-basics/who-needs-care/ ”Retirement Check-In Survey”, Ameriprise Financial, 2013, http://
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newsroom.ameriprise.com/images/20018/Retirement%20Check-In%20Research%20Report%202-13.pdf “Are Retirees Falling Short? Reconciling the
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Conflicting Evidence.”, Center for Retirement Research at Boston College, http://crr.bc.edu/wp-content/uploads/2014/11/wp_2014-16.pdf. NMLS# 9392
(www.nmlsconsumeraccess.org). American Advisors Group (AAG) is headquartered at 3800 W. Chapman Ave., 3rd & 7th Floors, Orange CA, 92868. AAG
conducts business in the following states: AK (Alaska Mortgage Broker/Lender License No. AK9392), AL, AR, AZ (MB_0911141), CA (CA Loans made
or arranged pursuant to a California Finance Lenders Law license (603F324) and Licensed by the Department of Business Oversight under the California
Residential Mortgage Lending Act (4131144)), CO (Regulated by the Division of Real Estate; to check the license status of your mortgage loan originator, visit
http://www.dora.state.co.us/real-estate/index.htm), CT, DC (District of Columbia Mortgage Dual Authority License No. MLB9392), DE, FL, GA (residential
Mortgage Licensee #22849), HI, IA, ID, IL (Illinois Residential Mortgage Licensee; Illinois Commissioner of Banks can be reached at 100 West Randolph,
9th Floor, Chicago, Illinois 60601, (312)814-4500), IN, KS (Kansas Licensed Mortgage Company MC. 0025024), KY, LA, MD, ME (SLM11356), MI, MN,
MO (4824 NW Gateway Ave, Suite 201, Riverside, MO 64168), MS (Licensed by the Mississippi Department of Banking and Consumer Finance), MT,
NC, ND, NE, NH (Licensed by the New Hampshire banking department), NJ (Licensed by the N.J. Department of Banking and Insurance), NM, NV, NY
(Licensed Mortgage Banker-NYS Department of Financial Services; American Advisors Group operates as American Advisors Group, Inc. in New York.), OH
(MBMB.850159.000), OK, OR (ML-4623), PA (Licensed by the Pennsylvania Department of Banking 28356), RI (Rhode Island Licensed Lender), SD, SC, TN,
TX (Mortgage Banker Registration), UT, VA (Licensed by the Virginia State Corporation Commission MC – 5134), VT (Vermont Lender License No. 6384), WA
(Consumer Loan # CL-9392),WV, WI, WY (WY-DBA AAG Reverse Mortgage Lender/Broker License No. 2331). A reverse mortgage increases the principal
mortgage loan amount and decreases home equity (it is a negative amortization loan). Borrowers are responsible for paying property taxes and homeowner’s
insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to
pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance;
otherwise the loan becomes due and payable. The loan also becomes due and payable when the last borrower, or eligible non-borrowing surviving spouse,
dies, sells the home, permanently moves out, defaults on taxes or insurance payments, or does not otherwise comply with the loan terms. AAG is an equal
housing lender. These materials are not from HUD or FHA and were not approved by HUD or a government agency. V11082016
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