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For a lot of retirees, a primary concern is about how much they can spend. But what often matters more is when they spend it. It’s the classic sequence-of-return problem: when markets fall early in retirement, withdrawals can lock in losses from which the portfolio never recovers. Here’s where the reverse mortgage loan enters the picture; not as a last resort, but as a strategic buffer that can protect investments when they’re most vulnerable. Same Returns, Different Results.

When people reach out to talk about a reverse mortgage, the conversation almost never starts with numbers. It starts with life; with stories, worries, and what-ifs. And that’s exactly where I like to begin. Every homeowner I meet has a unique story that deserves the time, attention, and honesty to be fully heard. The product is always secondary. Plus, I love a great story — learning what excites someone, what makes them nervous, and which moments they’ll cherish forever. This