[read ebook] Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement (The Retirement Researcher's Guide Series) (Volume 1)
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Description of Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement (The Retirement Researcher's Guide Series) (Volume 1)
Review A researcher and financial analyst explains the role of the reverse mortgage in retirement planning.In this debut finance book, Pfau draws on accumulated research and a deep understanding of the intricacies of reverse mortgages to advocate for their role in a balanced fiscal strategy for retirement. The book covers the basics of retirement finance, explaining the common investment vehicles employed to provide funds for an individual no longer drawing a salary, and then focuses on the mechanics of using a reverse mortgage as one component of the income stream. Pfau explains the regulations governing reverse mortgages, from penalties designed to prevent a homeowner from making unwise decisions when converting the dwelling's value to cash to the protections in place that ensure a nonborrowing spouse can continue to live in the house as needed. The book takes a calm and moderate approach to fiscal planning for retirement, offering numerous examples of the actual returns a homeowner can achieve in comparison to other investment vehicles and avoiding an alarmist tone regarding the viability of job departure or the future of finance. The result is both informative and well-reasoned, providing substantial information about reverse mortgages while emphasizing the fact that they are one component of responsible financial planning and not a panacea in themselves:'coordinating withdrawals from a reverse mortgage reduces strain on portfolio withdrawals, which helps manage sequence of returns risk.' Pfau acknowledges that although a house represents a significant fiscal asset, it also plays an emotional role in its owners' lives that must be addressed in planning for its eventual disposal. He clearly explains that the reverse mortgage, which allows homeowners to remain in a place they love while still benefiting from the equity stored in it, can be a practical solution that addresses both monetary and personal criteria. 'Further Reading' sections at the end of each chapter provide additional information for readers in search of more details about both the research cited and the workings of the financial instrument.A well-reasoned argument in favor of the reverse mortgage as a component of a retirement strategy.-Kirkus Reviews Read more About the Author Wade D. Pfau, Ph.D., CFA, is a Professor of Retirement Income in the Ph.D. program for Financial and Retirement Planning at The American College of Financial Services in Bryn Mawr, PA. He also serves as a Principal and the Director of Retirement Research for McLean Asset Management and Chief Planning Scientist for inStream Solutions. He hosts the Retirement Researcher website as an educational resource for individuals and financial advisors on topics related to retirement income planning. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals. Wade is a past selectee for the InvestmentNews Power 20 in 2013 and 40 Under 40 in 2014, the Investment Advisor 35 list for 2015 and 25 list for 2014, and Financial Planning magazine s Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Editor's Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the Retirement category from the Academy of Financial Services. He has spoken at the national conferences of organizations such as the CFA Institute, Financial Planning Association, National Association of Personal Financial Advisors, and the Academy of Financial Services. He is also a contributor to the curriculum of the Retirement Income Certified Professional (RICP) designation for financial advisors. He is a co-editor of the Journal of Personal Finance. Wade is also a columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for the Wall Street Journal. His research has been discussed in outlets including the print editions of The Economist, New York Times, Wall Street Journal, Time, Kiplinger's, and Money Magazine. Read more
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