Wall Street Journal

Reverse Mortgages Gaining New Respect Among Financial Planners

Reverse Mortgages: Monthly Checks Instead of Bills.  Really? Finance

Five Ways to Change Your Clients' Retirement Math

Reversing the Conventional Wisdom: Using Home Equity to Supplement Retirement Income
This paper examines three strategies for using home equity, in the form of a reverse mortgage credit line, to increase the safe maximum initial rate of retirement income withdrawals.
These strategies are: (1) the conventional, passive strategy of using the reverse mortgage as a last resort after exhausting the securities portfolio; and two active strategies: (2) a coordinated strategy under which the credit line is drawn upon according to an algorithm designed to maximize portfolio recovery after negative investment returns, and (3) drawing upon the reverse mortgage credit line first, until exhausted.

How Important is Asset Allocation to Financial Security in Retirement?
Data from the Health and Retirement Study (HRS) on pre-retirees aged 51-64 to see how the gap between retirement needs and retirement resources is affected by working longer, taking out a reverse mortgage, controlling spending, and shifting all assets to equities with no risk.

Investment News - 4% Rule Called Into Question

Could New Research Change Financial Planners' Views of Reverse Mortgages? - Going Into Reverse - What Every Financial Planner Should Know About Reverse Mortgages