Webinar Replay | Using Reverse Mortgages to Manage Taxes

How Housing Wealth Can Lower Taxes and Protect Retirement Income

Reading Time: 2 minutes

Quick Synopsis

In this 50-minute session, I walk you through real-world scenarios where retirees used reverse mortgages not as a last resort—but as a first-round tax planning tool. We explore how home equity can help lower taxable income, reduce or eliminate IRMAA surcharges, delay Social Security, fund Roth conversions, avoid capital gains, and more.

I’m joined by David McKnight, bestselling author of The Power of Zero, who shares why the reverse mortgage now belongs in the same conversation as Roth IRAs and life insurance when building tax-free retirement income.

“The reverse mortgage has emerged as a legitimate, strategic tool for generating tax-free income in retirement. It’s not just viable—it’s valuable.”
— David McKnight, Author, The Power of Zero

We’re also joined by Marshall Lipson, retired Managing Director of the Society of Financial Service Professionals, who opened up about his own experience. Marshall took out a reverse mortgage over a decade ago and shares how it has empowered his lifestyle, protected his portfolio, and enhanced his peace of mind.

“Ten years in, my reverse mortgage has given me flexibility, security, and control. It was one of the wisest financial decisions I’ve made in retirement.”
— Marshall Lipson, Retired Managing Director, Society of Financial Service Professionals

Whether you’re an advisor or a retiree, this conversation will challenge assumptions—and expand your planning toolkit.

What to Do When You Have a Client or a Case?

Go to www.HousingWealthPro.com and request a Housing Wealth Illustration. Give Details in the “Notes” Section including the clients’ phone # if they would like a Housing Wealth Assessment. You can also
Schedule a Time to Speak with Me: Click Here

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

@AskDonGraves

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

@AskDonGraves