Tapping Home Equity in Retirement

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Managing Mortgage Debt in Retirement

Typically, a client has three choices on how to manage a mortgage in retirement: pay it off before retiring, buy an annuity to cover payments, or draw on the investment portfolio over time. What's the best way to go? It's a discussion you need to have with every pre-retiree before the big day.

Understanding How Real Estate Fits Into a Portfolio

Counseling clients on whether to invest money in stocks or real estate poses some challenges to advisors. Evaluate the investment like any other asset class by looking at how liquidity, appreciation, risks, income, and taxes would best serve the client.

Renting May Be the New American Dream

It might seem like a good time to buy, but home ownership can increase clients' living costs and tie up their cash.

Fed Says It's Better to Invest Than Pre-Pay Mortgage

Clients got an extra dollar? Don't let them use it to pay down the mortgage, says a recent Fed study. They'll earn at least 1% more a year by investing extra cash in their retirement plan rather than their home. It's a tax arbitrage strategy that benefits almost every client, but especially those in the higher tax brackets.