Page 1 - AAG092_Identifying Opportunities in Home Equity FP Flyer

Identifying Would you be open to learning how we might be able

to extend your cash flow by including home equity into
Opportunities in your plan?”

Home Equity “Has anyone ever walked you through the potential
benefits of a Home Equity Conversion Mortgage?”

Did you know...

Who is a good fit?

3 Clients age 62+ with 50% or more equity in their homes
of those over 65 own free 3 Boomer clients wanting to increase purchasing power when

and clear homes 1 looking for a more suitable home
3 Clients that are taking distributions from investments and would
like an alternative income source in bear markets

3 Clients looking to free up cash flow by eliminating their monthly
mortgage payment (so long as they continue to pay property
of a retirees net worth is tied up taxes, homeowner’s insurance, and maintain the home)

in home equity 2 3 Many others; connect with your AAG mortgage professional to
learn more!

Including home equity into What is a Home Equity Conversion Mortgage (HECM)?

a retirement plan can extend 3 An FHA-insured, non-recourse loan on a primary residence for
longevity of cash flow, access to people at least age 62

liquidity, and legacy to heirs! 3 A flexible tool that provides access to equity through a growing
line of credit, term payments, lump sum, or a combination of these

3 A risk management solution for affluent families looking for
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

1 http://www.jchs.harvard.edu/sites/jchs.harvard.edu/files/
harvard_jchs_housing_growing_population_2016_chapter_4.
pdf (Page 2)

2 https://www.marketwatch.com/story/should-you-use-a-reverse-
mortgage-in-retirement-2017-11-08
AAG092