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I journal almost every morning; it’s my cadence to the row of life. At the end of each journaling session, I ask myself a simple question: ‘Can I live in the Green R today?’ What is the Green R? The Green R is to Respond, with equanimity, to anything and everything that will come my way. The Green R is the opposite of the Red R, for the Red R is to React, often with judgement and scarcity.   Most conversations about reverse mortgage loans don’t start with numbers.They start w

For many homeowners, the question isn’t whether to tap into home equity - it’s how to do it wisely. Two common options are a Home Equity Conversion Mortgage (HECM), also known as the FHA-insured reverse mortgage loan, and a Home Equity Line of Credit (HELOC). While they may sound similar, the way they function - and the role they play in retirement planning - is very different. 1. Repayment Obligations Reverse Mortgage Loan (HECM): With a reverse mortgage loan, no monthly pri

Retirement — or the years leading up to it — can feel like a tug-of-war between what you can control and what you can’t. Markets fluctuate. Health changes. Family needs evolve. But peace doesn’t come from controlling everything; it comes from knowing where your control truly lives — and living there intentionally. Here are ten things no algorithm, economy, or news cycle can take from you. Your Sense of Awe Pause when something beautiful interrupts you — morning light through

Financial advisors often face the same challenge with clients: they see the long-term benefits of a Roth IRA conversion but hesitate when it comes to paying the tax bill. Using retirement assets to cover conversion taxes can create ripple effects - from triggering higher taxable income to forcing sales during down markets. There is another way to create liquidity: the reverse mortgage loan. While often misunderstood, this tool can give clients age 62 and older more flexibilit