FOR FINANCIAL PROFESSIONALS
Bring Housing Wealth Into Retirement Planning
HERO helps financial professionals understand where housing wealth may fit within retirement planning, apply the concepts to real client situations, and know when specialized expertise may help.
The point isn’t to recommend a mortgage. It’s to know when housing wealth is worth a closer look — and whether it belongs in the plan.
Retirement Planning Is About Managing Choices
Markets, taxes, cash flow, and housing needs can change throughout retirement. HERO helps financial professionals recognize when housing wealth may be another option worth evaluating.
See how housing costs and available home equity affect retirement income and monthly cash flow.
Consider another source of liquidity for times when drawing from investments is less desirable.
Weigh housing wealth alongside other income sources, with the client’s tax professional.
Include the home when clients consider aging in place, relocating, downsizing, or buying again.
HERO doesn’t assume housing wealth should be used. It brings the home into the conversation, so you can evaluate it alongside the rest of the retirement plan instead of leaving it out by default.
STEP 1: LEARN
Start with the live education
Complete the HERO education, apply the framework through three case studies, and continue into the HERO Network for ongoing resources and professional collaboration.
How the HECM reverse mortgage works: borrower responsibilities, available proceeds, repayment, protections, and what sets it apart from a traditional mortgage.
Know how it works before deciding where it fits.
How housing wealth interacts with retirement income, portfolio distributions, taxes, liquidity, longevity, and changing housing needs.
Move from product mechanics into real planning conversations.
Work through scenarios and case studies to decide when housing wealth deserves further analysis and how to collaborate with the right professionals.
Build a repeatable way to evaluate client situations.
STEP 2: APPLY
Put it to work on real client situations
These are the moments when housing wealth deserves a second look. Each one starts with a question you can ask in your next review.
A client enters retirement with heavy monthly housing costs, or income pressure that keeps building.
THE PLANNING QUESTION
Could changing how the home is financed add flexibility elsewhere in the plan?
A client has substantial home equity and may prefer more liquidity over relying only on portfolio withdrawals.
THE PLANNING QUESTION
Could housing wealth add flexibility when markets or planning needs change?
A client is thinking about relocating, downsizing, buying another home, or aging in place for the long term.
THE PLANNING QUESTION
Could a different housing strategy change how other retirement assets are used?
STEP 3: COLLABORATE
You stay at the center of the planning relationship
HERO is collaboration, not replacement. You don’t need to become the mortgage expert. Use HERO tools when the conversation is straightforward, and bring in the right expertise when it needs deeper analysis.
Retirement mortgage analysis, education, and specialized housing wealth expertise.
Support for relocating, downsizing, purchasing, and other housing transitions.
Traditional mortgage expertise when another form of financing is the right fit.
Have a client with significant home equity, a housing transition ahead, or retirement cash flow pressure? A HERO Professional can help you evaluate where housing wealth may fit, alongside the rest of the plan.
You stay at the center of the planning relationship. We bring the specialized expertise. Fill out the form below and our team will be in touch to connect you with a HERO Professional.
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HERO provides educational information about housing wealth, retirement planning concepts, and retirement mortgage options. HERO does not provide financial, investment, tax, accounting, legal, or individualized mortgage advice. Examples, case studies, and strategies are illustrative only and should not be interpreted as a recommendation for any particular product or financial strategy. Individual circumstances vary, and decisions should be evaluated with appropriately qualified professionals.