What if a reverse mortgage could reduce the income taxes your clients pay in retirement?
In his fourth book, Don Graves argues that reverse mortgages offer tax planning benefits by allowing retirees to withdraw less from savings, reducing lifetime income taxes. Structured around twelve conversations, it provides advisors a framework for integrating housing wealth into existing strategies like IRMAA management, Roth conversions, RMD planning, and Social Security timing.
12 Conversations That Expand Tax Planning Possibilities
Testimonials
What Others Are Saying!
ED SLOTT, CPA
Author and founder of www.irahelp.com Founder of Ed Slott’s Elite IRA Advisor GroupSM
“Growing IRA balances are becoming a retirement tax problem for many clients. Don Graves presents 12 high-value conversations that help advisors uncover tax-saving opportunities by leveraging untapped housing wealth.”
HEATHER SCHREIBER, RICP, NSSA
Founder and President of HLS Retirement Consulting, LLC
“Don has truly opened my eyes to the untapped…and perhaps more importantly, untaxed…wealth that reverse mortgages can offer retirees, moving them from concept to application as a tax-aware planning tool.”
DAVID MCKNIGHT
Best-Selling Author, Power of Zero: The Tax Train is Coming
“Retirement success is not just about how much money you have saved, but how efficiently you access it. Don Graves demonstrates how reverse mortgages can serve as a critical tax-free income source.”
WADE PFAU, PHD, CFA
Former Professor of Retirement Income and RICP® Program Director at The American College | Founder of RetirementResearcher.com
“Housing wealth is not positioned as a replacement for traditional retirement assets, but as a complementary fourth bucket that can expand planning flexibility…Don’s framework shows how housing wealth can be deployed strategically.”
A Personal Message
Don Graves, RICP®, CLTC®, CSA, IRMAACP™
Claim Your Free Bonus Resources
Register your book and unlock exclusive tools, worksheets, and advisor guides that go deeper on each of the twelve conversations.
- Printable conversation frameworks for each chapter
- IRMAA & RMD planning worksheets
- Case study examples for client meetings
- Additional links & resources (coming from client)
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Book Don Graves
Don is recognized as one of the nation’s leading educators on incorporating reverse mortgages into retirement income planning. Available for podcasts, broadcasts, team trainings, and special webinars.