7 Ways to Lower Retirement Taxes with a Reverse Mortgage

Featuring my conversation with Robert Powell, CFP®, Editor of Retirement Daily

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How Can I Lower My Income Taxes?

📰 Read the full article on Retirement Daily

As I continue my Reverse Mortgage Education Series with Robert Powell, CFP®, the respected editor of Retirement Daily, we’re turning our attention to a question that’s top of mind for many retirees—or at least shouted across more than a few kitchen tables:

“How can I lower my income taxes in retirement… or at least prepare for them?”

In this latest installment, we highlight 7 of the 12 practical ways a modern reverse mortgage can help create tax-efficient retirement outcomes. These aren’t just theoretical ideas—they’re proven strategies that reduce RMD burdens, avoid IRMAA surcharges, delay Social Security, fund Roth conversions, and more.

While there are over 52 ways a reverse mortgage can support a retirement plan, this article and companion video zero in on the tax conversation—an area too important to ignore.

If rising taxes are threatening your retirement income—or your clients’—this is a timely and essential read. In my latest article for Retirement Daily, I share how reverse mortgages can be a powerful, tax-efficient strategy to protect your savings and extend retirement security.

Whether you’re a financial advisor or a retiree looking to delay Social Security, reduce capital gains, or avoid selling assets in down markets, this conversation is a must-watch and must-read.

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The content of this blog is for financial advisors and professionals only and is not intended for consumer use. Names, cases, and scenarios are fictionalized for illustrative purposes. The opinions expressed here are those of the author alone and do not reflect the views of any affiliated entities or individuals. Don Graves, NMLS #142667.

Don Graves, RICP®, CLTC®, CSA, IRMAACP™

President and Chief Conversation Starter at HECM Advisors Group/Institute

Don Graves, RICP® is a Retirement Income Certified Professional and one of the Nation’s Leading Educators on the Emerging Role of Reverse Mortgages in Retirement Income Planning. He is president and founder of the HECM Institute for Housing Wealth Studies and an adjunct professor of Retirement Income at The American College of Financial Services. He has helped tens of thousands of Advisors as well as more than 3,000 personal clients since the year 2000

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+Don Graves, RICP®, CLTC®, Certified Senior Advisor, CSA®

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