Upcoming Events:

What's New in Retirement Mortgages: An Update for Advisors

When: Thursday, April 30th | 11:30 AM PDT – 12:30 PM PDT

*If you cannot attend, register to receive the recording of the live event.

Where: Live Webinar via GoToWebinar

Register today to receive one hour of CE for this 50-minute presentation + Q&A and open discussion to follow. CE provided by Retirement Resource Center

Register: https://attendee.gotowebinar.com/register/9112234955317378908

Join Barry Sacks, PhD, JD, and Mary Jo Lafaye, RMLO, for a timely update designed specifically for financial advisors and allied professionals.

As an advisor, you work hard to build sustainable income strategies — but rising healthcare costs, longevity risk, market volatility, and concentrated real estate wealth can put pressure on even the most carefully constructed plans.

Barry H. Sacks, PhD, JD has spent 50 years as an attorney specializing in qualified retirement plans and discovering a role for the FHA-insured retirement mortgage (HECM) to help make a retirement portfolio last longer.

Mary Jo Lafaye, RMLO, is a Certified Home Equity Retirement Income Specialist who helps those age 55+ unlock greater financial freedom through the strategic management of their largest asset — their housing wealth. Mary Jo has been providing educational & CE courses for over 2 decades.

This educational webinar will cover:

• The Reserve Strategy, a research-backed approach to help protect long-term cash flow
• 2nd position reverse mortgage: gain liquidity without giving up a low interest rate on their first position mortgage
• 2026 FHA Max Claim Amounts (MCA): Max home value for the Home Equity Conversion Mortgage (HECM) calculations for 1-4 units/owner occupied
• Retirement spending patterns and risks, including unexpected "spike" expenses, and how a HECM line of credit can buffer them for improved financial outcomes throughout retirement
• Discover the benefits of a HECM line of credit, including its growth potential and why starting early matters
• Borrowers may occupy ADU or Jr ADU and rent the larger portion of the home for additional income

Mention of previously discussed improvements you may have missed:

• Financial assessment: set-aside account to cover property charges for the borrower's life expectancy, increasing the probability of lifetime housing security
• Downsizing with the HECM Purchase Loan: right-sizing without using all cash or taking on a monthly mortgage payment in retirement
• Silver Divorce: Housing Wealth as a tool to divide assets without degrading lifestyle or liquidity
• Paying for care without invading taxable accounts, getting the full step up in basis (community property states) upon borrower's passing
• Non-borrowing spouse (NBS) protections: eligible vs. ineligible

This is not a sales presentation. It's an educational session focused on helping advisors better understand current program offerings and how home equity fits — or doesn't fit — within a comprehensive retirement plan.

Whether you actively incorporate housing wealth into planning conversations or simply want updated knowledge to better serve clients, this session will provide practical insights and case-based discussion.

Who Should Attend:

Financial advisors, family law attorneys, wealth managers, CPAs, estate planners, retirement-focused professionals, and anyone looking to enjoy a happy, healthy retirement.

Bring your questions.

Register below and we will email you the GoToWebinar link and meeting instructions.

Click Here to Register.

Past Events:

Unlock More Potential (55+) Sellers & Buyers - Peak 65 Realtor Certification Training

• Monday, November 24th
• 10:00-11:30am
• Marin Association of Realtors (MAR)
• 40 Mitchell Blvd, San Rafael, CA 94903
  

 Register Here

MCBA Lunch & Learn: Silver Divorce: Using Housing Wealth and Qualified Retirement Benefits to Facilitate Asset Division

• Tuesday, June 18th
• 12:00-1:00pm
• Marin County Sheriff's Office Assembly Room
  1600 Los Gamos Dr. (Main Lobby A), Suite 200, San Rafael, CA 94903

 Register Here

Free Lunch & Learn: Maximize Cash Flow For Peace Of Mind, Right-sizing, Downsizing, Staying Put- Making the Most of Your Home Equity

• Monday, August 28th
• 12:00pm-1:30pm
  
• Left Bank Brasserie (Back room)
• 507 Magnolia Avenue, Larkspur, CA 94939

Register Here

Are you a Realtor, Financial, or Legal Advisor looking to help your mature clients SELL a highly appreciated primary residence and DEFER the federal and state capital gain taxes? 

Join us for a free webinar to learn how homeowners can combine IRC  121 with the 1031 exchange. And if they are over 62, they can then use a HECM for Purchase loan to maximize their purchasing power on their next home.

This little-known Retirement Trifecta can help your clients maximize retirement cash flow for decades to come.

Tuesday, September 21, 2021
11:00 a.m. PST

 Register here 

5 Ways to Create Your Dream Retirement: Housing Wealth Overview

Tuesday, July 28th, 2020

11:00 a.m. PDT to noon + Q&A