Tuesday, July 12, 2022 | 12:00 PM — 1:00 PM EDT
The Case for Divorce Financial Planning
Presented by:
Carol Lee Roberts, CDFA®, CFP®
President, Institute for Divorce Financial Analysts
As a financial planner, you routinely assist clients plan for events (both things that will occur and also those things that may occur). How can you justify not bringing your financial expertise to a client's divorce which is often the largest financial transaction in their lifetimes?
Join Carol Lee Roberts CDFA
®, CFP
®, CeFT
®, President of the Institute for Divorce Financial Analysts, for an examination of the current state of divorce in the United States and the financial issues with which you are able to assist your clients. She will also review the monetary implications of divorce and how to minimize unnecessary financial consequences for your clients.
Attendees will learn:
- How to identify the impact of revocation statutes on estate planning
- The unique tax considerations of dividing marital property including the marital residence
- The purpose and importance of Qualified Domestic Relations Orders in the division of Qualified plans
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
Register Now
Tuesday, July 19, 2022 | 12:00 PM — 1:00 PM EDT
Rethinking What You Need to Thrive in Retirement – A New Model
Presented by:
Barry Sacks, Ph.D., JD
Member, University of Illinois Academy for Home Equity in Financial Planning
Pete Neuwirth, F.S.A., F.C.A.
Member, University of Illinois Academy for Home Equity in Financial Planning
Beginning in the 1950s and continuing through the early part of this century, the metaphor of the “3-legged stool” was used to help individuals think about their financial security and how it could be provided during their retirement. The 3-legged stool consisted of (1) Social Security provided by the government, (2) a guaranteed pension provided by the employer, and (3) personal Savings, provided by the individual.
But starting in the 1990s and accelerating through today, two of the three legs of the stool became unstable, and the third can’t now make up the difference. In this session, a new model is proposed based on the ideas outlined in Money Mountaineering.
This model recognizes that individuals must rely on their resources to achieve financial wellness and describes three types of assets (“3 tools to put in your backpack”) that an individual can acquire over their working life, to provide retirement income in a way that addresses the “decumulation” problem that millions of new retirees are facing.
In this session, attendees will learn:
- Why a new model for retirement income planning is necessary for today’s environment
- How life insurance, home equity, and 401(k) savings can be used, separately and in combination, to ensure financial wellness over a full working career and through retirement
- How the decumulation problem faced by individuals during retirement is distinctly different from the challenge of accumulating sufficient assets before retirement, and why different strategies are required to address those challenges
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
Register Now
Thursday, July 21, 2022 | 12:00 PM — 1:00 PM EDT
How to Model Reverse Mortgages in Today’s Financial Planning Software
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
There are numerous uses for reverse mortgages in retirement planning, but many advisors struggle to successfully model the product in their financial planning program. Plus, being unable to visualize the full impact of home equity in a retirement income distribution plan could prevent your clients from using this strategic tool.
Join Christian Mills, Financial Planner Channel Leader at RMF, for a special webinar when he will use today’s leading financial planning software, such as MoneyGuidePro® and eMoney to model reverse mortgages and show their impact on cash flow and probabilities of success. He will also share powerful tools that enable financial planners to add home equity to their older clients’ risk-management strategy planning through reverse mortgage line of credit products – both federally-insured* and proprietary.
Who should attend? Financial planners who understand the basics of reverse mortgages and are open to innovative and tactical ideas for using home equity to improve their clients’ cash flow, create a larger legacy, or mitigate sequence of returns risk.
Upon completion of the program, attendees will be able to:
- Present HECM and proprietary reverse mortgage solutions to clients tailored to their particular circumstances
- Use financial planning software to demonstrate the effects of reverse mortgage funds on an individual client’s financial strategies, using real-time reverse mortgage payment estimates
- Educate older clients on the pros and cons of reverse mortgages and how they can be used in risk and goal management
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
*This material has not been reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.
Register Now
Thursday, August 18, 2022 | 12:00 PM — 1:00 PM EDT
Monetizing Home Equity with Today's Reverse Mortgage
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
Homeowners aged 62 and older currently hold a record $10.19 trillion in home equity. This age group holds 1/3 of the country’s housing wealth and yet nearly 37% of retirees are worried about their financial security in retirement.
*Unfortunately, most homeowners 55 and older
† don’t realize that a reverse mortgage can help them monetize their home equity and take control of their finances and limit the effects of market volatility – allowing them to access income-tax-free‡ cash to help fund their retirement needs and goals.
After attending this webinar, you’ll be able to educate your clients on the benefits of reverse mortgages, and you’ll be able to create a buffer asset for your clients to avoid selling at losses and prevent sequence risk while creating a larger legacy.
Attendees will learn:
- What improvements have been made and what consumer safeguards have been added to reverse mortgages in recent years
- The four common reverse mortgage strategies for increasing retirement stability
- The different types of reverse mortgage loans, both federally-insured† and proprietary, for real-life applications
- How to demonstrate reverse mortgage solutions for eligible clients
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.*Sources: Source: NRMLA/RiskSpan Reverse Mortgage Market Index, January 2022. Guerin, Jessica. “Experts: Home equity is key to solving the country’s looming retirement crisis.” HousingWire. 18 Feb. 2019. Accessed; 6 Jan. 2021. Passy, Jacob. “Baby Boomers Own a Third of All U.S. Homes: These Markets Will Feel the Biggest Impact When They Retire.” Barron’s. 02 Dec. 2019.
†Available to borrowers as young as 55 in select states only. Higher minimum age requirements may apply. Visit www.reversefunding.com/equity-elite for details.
‡Not tax advice. Consult a tax professional.
Register Now
Thursday, September 15, 2022 | 12:00 PM — 1:00 PM EDT
Bridging the Gap: How to Talk to Clients About Tapping into Their Home Equity
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
With the likelihood of lingering long-term effects from the pandemic, rising inflation, and climbing healthcare costs, the threat of financial insecurity looms large for your older clients. That’s why it's never too early to discuss incorporating reverse mortgage solutions into a client's strategic plan.
Today’s savvy financial advisor knows that tapping into housing wealth provides yet another tool to sustain a client’s changing needs and financial obligations as they age. Plus, by creating that buffer asset, advisors may also foster portfolio longevity and retain management of more of their clients' assets as they age.
But many advisors are unsure how to broach the topic with their 55+ clients—especially given the unfortunate misconceptions many consumers still have about this practical tool.
Join Christian Mills, Financial Planner Channel Leader at RMF, for a unique look at how to bridge that educational gap and help your clients understand the
real value of their home equity from a holistic planning approach.
During the webinar, attendees will learn how to:
- Address common misconceptions clients may have regarding reverse mortgages
- Educate clients on the safeguards and protections available to clients who utilize their home equity
- Use effective strategies and loan scenario models to demonstrate improved probabilities of success for clients
- Demonstrate transparent, comprehensive educational materials to their clients
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.Available to borrowers as young as 55 in select states only. Higher minimum age requirements may apply. Visit www.reversefunding.com/equity-elite for details.
Register Now
Thursday, October 20, 2022 | 12:00 PM — 1:00 PM EDT
How to Model Reverse Mortgages in Today’s Financial Planning Software
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
There are numerous uses for reverse mortgages in retirement planning, but many advisors struggle to successfully model the product in their financial planning program. Plus, being unable to visualize the full impact of home equity in a retirement income distribution plan could prevent your clients from using this strategic tool.
Join Christian Mills, Financial Planner Channel Leader at RMF, for a special webinar when he will use today’s leading financial planning software, such as MoneyGuidePro® and eMoney to model reverse mortgages and show their impact on cash flow and probabilities of success. He will also share powerful tools that enable financial planners to add home equity to their older clients’ risk-management strategy planning through reverse mortgage line of credit products – both federally-insured* and proprietary.
Who should attend? Financial planners who understand the basics of reverse mortgages and are open to innovative and tactical ideas for using home equity to improve their clients’ cash flow, create a larger legacy, or mitigate sequence of returns risk.
Upon completion of the program, attendees will be able to:
- Present HECM and proprietary reverse mortgage solutions to clients tailored to their particular circumstances
- Use financial planning software to demonstrate the effects of reverse mortgage funds on an individual client’s financial strategies, using real-time reverse mortgage payment estimates
- Educate older clients on the pros and cons of reverse mortgages and how they can be used in risk and goal management
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
*This material has not been reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.
Register Now
Thursday, November 17, 2022 | 12:00 PM — 1:00 PM EST
Monetizing Home Equity with Today's Reverse Mortgage
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
Homeowners aged 62 and older currently hold a record $10.19 trillion in home equity. This age group holds 1/3 of the country’s housing wealth and yet nearly 37% of retirees are worried about their financial security in retirement.
*Unfortunately, most homeowners 55 and older
† don’t realize that a reverse mortgage can help them monetize their home equity and take control of their finances and limit the effects of market volatility – allowing them to access income-tax-free‡ cash to help fund their retirement needs and goals.
After attending this webinar, you’ll be able to educate your clients on the benefits of reverse mortgages, and you’ll be able to create a buffer asset for your clients to avoid selling at losses and prevent sequence risk while creating a larger legacy.
Attendees will learn:
- What improvements have been made and what consumer safeguards have been added to reverse mortgages in recent years
- The four common reverse mortgage strategies for increasing retirement stability
- The different types of reverse mortgage loans, both federally-insured† and proprietary, for real-life applications
- How to demonstrate reverse mortgage solutions for eligible clients
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.*Sources: Source: NRMLA/RiskSpan Reverse Mortgage Market Index, January 2022. Guerin, Jessica. “Experts: Home equity is key to solving the country’s looming retirement crisis.” HousingWire. 18 Feb. 2019. Accessed; 6 Jan. 2021. Passy, Jacob. “Baby Boomers Own a Third of All U.S. Homes: These Markets Will Feel the Biggest Impact When They Retire.” Barron’s. 02 Dec. 2019.
†Available to borrowers as young as 55 in select states only. Higher minimum age requirements may apply. Visit www.reversefunding.com/equity-elite for details.
‡Not tax advice. Consult a tax professional.
Register Now
Thursday, December 15, 2022 | 12:00 PM — 1:00 PM EST
Bridging the Gap: How to Talk to Clients About Tapping into Their Home Equity
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
With the likelihood of lingering long-term effects from the pandemic, rising inflation, and climbing healthcare costs, the threat of financial insecurity looms large for your older clients. That’s why it's never too early to discuss incorporating reverse mortgage solutions into a client's strategic plan.
Today’s savvy financial advisor knows that tapping into housing wealth provides yet another tool to sustain a client’s changing needs and financial obligations as they age. Plus, by creating that buffer asset, advisors may also foster portfolio longevity and retain management of more of their clients' assets as they age.
But many advisors are unsure how to broach the topic with their 55+ clients—especially given the unfortunate misconceptions many consumers still have about this practical tool.
Join Christian Mills, Financial Planner Channel Leader at RMF, for a unique look at how to bridge that educational gap and help your clients understand the
real value of their home equity from a holistic planning approach.
During the webinar, attendees will learn how to:
- Address common misconceptions clients may have regarding reverse mortgages
- Educate clients on the safeguards and protections available to clients who utilize their home equity
- Use effective strategies and loan scenario models to demonstrate improved probabilities of success for clients
- Demonstrate transparent, comprehensive educational materials to their clients
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.Available to borrowers as young as 55 in select states only. Higher minimum age requirements may apply. Visit www.reversefunding.com/equity-elite for details.
Register Now