Diversifying Retirement Investments

You worked hard for years and invested consistently and wisely. As a result, you have a high quality of life and have built up a healthy investment portfolio. You feel confident that you have the income to live well throughout your retirement years. Yet, as a savvy investor, you remain open to new ways to diversify your investments. Think outside the box and incorporate a reverse mortgage into your investment strategy.

If you have a high net worth and owe little to nothing on your primary home, you’re in the right place. If you worry that you may outlive your retirement funds, or if you or a family member struggle to pay necessary expenses, we may help you find a solution that meets your needs.

Get Creative with Your Investments

Most financial advisors recommend that adults in their 60s and beyond consider a higher ratio of low-risk investments. This ensures that a recession or a stock market downturn won’t deplete your life savings when you need it most.

However, most investors also want to make the most of their assets. Because adults in higher income brackets rely on investments, savings, and rental income at a higher ratio than lower-income households, it makes sense to seek out creative ways to increase income.

If you have multiple real estate properties, or if you are considering investing in real estate, a reverse mortgage can be a lucrative way to generate additional income. A reverse mortgage can also help you hang onto other investments. When another Bear market hits, you won’t have to sell other assets at depreciated values.

You have plenty of years left at retirement age. Why worry about cutting back on expenses or downsizing your home when you can tap into home equity to maintain your existing lifestyle?

Reverse Mortgages: A Different Way to Diversify

A reverse mortgage enables homeowners and homebuyers age 62 or older to convert some of their home equity into cash or a line of credit. In some cases, you can also use the loan proceeds to finance a home purchase.

Unlike a traditional home equity loan or line of credit (HELOC), you don’t have to repay a reverse mortgage until the last surviving borrower (or a non-borrowing spouse who meets certain requirements) no longer lives in the home, or the home is sold.

Most high-income borrowers, especially those who own multiple homes, will still have equity and other investments to pass on to their heirs. However, we encourage you to involve family members in your decision.

FAR Knows Retirement Optimization

As one of the nation’s leading reverse mortgage lenders, Finance of America Reverse (FAR) empowers seniors and Baby Boomers to live the life they want in retirement, with greater flexibility and peace of mind.

Because reverse mortgages are our primary focus, we won’t try to talk you into risky loan products. Our licensed Reverse Mortgage Specialists do one thing well—walk you through the entire reverse mortgage process. We will answer every question, no matter how detailed. After a thorough assessment, we will guide you to options that best suit your needs.

When diversifying your portfolio, think outside the box. Learn more about reverse mortgages as creative investment options.

  • “During the course of undertaking the reverse mortgage process, my wife and I found Finance of America Reverse to be most trustworthy, honest and able to deliver the final package. We could not have asked for a more representative person to provide us all the information in the process than (our loan officer). (She) is a very knowledgeable, patient, and courteous person. Above all, she conducted herself very professionally, a true professional. If she did not know the answer at the time, she would research and get back with you immediately. Communication and cooperation were never lacking through the whole process, this was very important to both my wife and I. During the closing process, we dealt with several different persons from the Finance of America Reverse (team) and we can honestly say that none failed us. Service was their number one objective. My wife and I would not hesitate to recommend (our loan officer) and (Finance of America Reverse). In our case, they were truly a GREAT TEAM.”

  • My Reverse Mortgage Specialist “walked me thru every step of the process—making sure I understood all transactions. He answered any question and concerns—explaining it as many times as it was necessary. He always returned calls…he cared and was concerned about you, not just the loan. All his efforts and actions gave me confidence in him and the company he represented.”

  • “Cliff and I are so grateful for you, as you are responsible for helping us to get out of the rut we had been in for some time. You went above and beyond with us to help us secure this opportunity to improve our quality of life in our senior years. It’s clear that you love what you do and truly care about your clients’ peace of mind and happiness. It’s been a pleasure working with you, we are forever grateful!

    P.S. Planning a little vacation to celebrate our new and improved quality of life!”