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Identifying                                          Who is a good fit?


        Opportunities in                                     3 Clients age 62+ with 50% or more equity in their homes
                                                             3  Boomer clients wanting to increase purchasing power when
        Home Equity                                            looking for a more suitable home

                                                             3  Clients that are taking distributions from investments and would
                                                               like an alternative income source in bear markets
        Did you know...                                      3  Clients looking to free up cash flow by eliminating their monthly
                                                               mortgage payment (so long as they continue to pay property
                           64   %                              taxes, homeowner’s insurance, and maintain the home)

                 of those over 65 own free                   3  Many others; connect with your AAG mortgage professional to
                     and clear homes  1                        learn more!

                            77  %                            What is a Home Equity Conversion Mortgage (HECM)?

              of a retirees net worth is tied up             3  An FHA-insured, non-recourse loan on a primary residence for
                      in home equity  2                        people at least age 62

                                                             3  A flexible tool that provides access to equity through a growing
                                                               line of credit, term payments, lump sum, or a combination of these
         Including home equity into a retirement
          plan can extend longevity of cash flow,            3  A risk management solution for affluent families looking for
           access to liquidity, and legacy to heirs!           additional options for cash flow, liquidity, and protection of the
                                                               equity in the homes



                                                             “Having a buffer asset can help manage sequence of
                                                             returns better and make a retirement plan more efficient.”
                                                             - Wade Pfau, PhD - Professor at The American College of Financial Services












                                                                         Brad Dela Cruz, NMLS ID: 582941
                                                                            Reverse Mortgage Professional
                                                                       Phone: 310.920.7610  |  Fax: 310.220.3115
                                                             Email: bdelacruz@aag.com Web: www.ReverseProfessional.com
        Would you be open to learning how we might                   1622 A Wilshire Blvd., Santa Monica, CA 90403
        be able to extend your cash flow by including
        home equity into your plan?”
                                                             1 http://www.jchs.harvard.edu/sites/jchs.harvard.edu/files/harvard_jchs_housing_
                                                             growing_population_2016_chapter_4.pdf (Page 2)
        “Has anyone ever walked you through
                                                             https://www.marketwatch.com/story/should-you-use-a-reverse-mortgage-in-
        the potential benefits of a Home Equity              2 retirement-2017-11-08
        Conversion Mortgage?”
                                                             For industry professionals only – not intended for distribution to the general public.
                                                             American Advisors Group (AAG) is headquartered at 18200 Von Karman Ave., Suite
        “Would you be interested in a solution that          300, Irvine, CA 92612.
        provides growing access to cash, while               This ad was not approved by HUD, FHA, or any government agency. For full legal
        protecting the equity in your home?                  disclosure, please visit: www.americanadvisorsgroup.com/disclosure
                                                                                                                AAG092
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