Please review my information package explaining how reverse mortgages can help mature adults lead a more productive quality of life. Using a grown credit line that grows over time with no impact to social security or personal income tax liability

1. The Role Of The Reverse Mortgage
In Financial Planning In Florida
Increasing portfolio longevity through
strategic use of HECM lines of credit
RESPONSIBLE
REVERSE
MORTGAGES
NMLS #: 1212765

2. “Reverse mortgages do have a place in mainstream retirement
distribution planning, and have a significant impact on
the probability that some clients will be able to meet their
predetermined retirement goals”
The Journal of Financial Planning
Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions
“Many future retirees will not be in a position to avoid using home
equity in retirement”
Boston College National Retirement Risk Index 2010
LEARNING MORE ABOUT THE
REVERSE MORTGAGE
Become mortgage payment free and liberate income.
Released funds are tax-free* and interest payments may be tax-
deductible, if paid. *Not tax advice please consult a tax advisor.
Create a non-reversible, growing line of credit at a low cost.
Avoid the untimely selling of assets, stocks and shares.
A reliable source of income, like an annuity.
Social Security and Medicare are not affected by Reverse Mortgages.
Property prices in the Sunshine State rose 8.6% last year. As such
your clients will want to know that there is a way to capitalize
on this growth whilst simultaneously extending the life of their
investment portfolio, as can be done with a Reverse Mortgage.
USES FOR RETIREMENT SECURITY
WITH A REVERSE MORTGAGE

3. HOW DOES IT WORK?
The federally insured HECM Adjustable is a home equity conversion
mortgage that allows your client to establish a line of credit that
grows over time, secured against their property. The line of credit
can be used at will, and the money taken is tax-free.* There are no
monthly payments to make, making it different from a HELOC or
regular mortgage.
What are the qualifications?
What are the ongoing obligations for the borrower?
There are no monthly payments to make, but the borrower must keep
up to date with their property taxes, insurance and maintenance of
the home. It must also remain their primary residence.
1
They must be able to clear any outstanding liens before
proceeding, though this can be done with the HECM proceeds.
The home must be the borrower’s primary residence.
The youngest borrower on the title must be aged 62 and over.62+
zero
LIENS
Restore cash reserves.
Postpone Social Security and Pension withdrawals.
Use tax-free* funds to lessen your tax liability.
*Not tax advice please consult a tax advisor.
Let your retirement assets grow by delaying their withdrawal until later.
Peace of mind that large expenses are covered such as family events or
medical bills.
Fund a new residence using the HECM for Purchase product.
*Not tax advice please consult a tax advisor.
RESPONSIBLE
REVERSE
MORTGAGES
LOCAL
YOUYOU
2 BBB Rating: A+
ACCREDITED
BUSINESS
R

4. A FINAL MESSAGE FROM RESPONSIBLE
REVERSE MORTGAGE, INC.
We see the role of financial planners as fundamental to the future success
and innovations in the reverse mortgage market.
By working closely with financial planners and listening to the feedback
from their clients, we can continue to innovate and deliver long-term
solutions that meet the financial planning needs of those at or approaching
retirement.
We want to see the responsible, flexible use of home equity considered
in retirement planning amongst the wealth of other options available in a
considered, co-ordinated strategy that has the client’s long-term interests
at heart.
Responsible Reverse Mortgage, Inc.
Talk to one of our local Reverse Mortgage Specialists to find out how the
HECM can help your client’s retirement funds last longer.
We provide local, specialized advice in the comfort of your client’s home,
so no speaking with out-of-state companies over the phone and no sending
sensitive documents through the post.
responsiblereverse.com/fp
1-800-953-8566

5. TWO CLEAR &
EFFECTIVE STRATEGIES
1. The Reverse Mortgage First Strategy
Here, your client takes out a reverse mortgage at the outset of retirement. They
draw upon it every year to provide a retirement income until the available funds
are exhausted. This allows your client’s portfolio more time to grow without
withdrawals affecting the portfolio size.
2. Coordinated Strategy
Here, your client takes out a reverse mortgage at the outset of retirement. Funds
are only drawn if the portfolio is underperforming. The key is not to take any
money out of the portfolio in a bear market, giving it a better chance to recover.
The reverse mortgage funds can be paid back at any time, without penalty.
Both strategies are more effective when your client sets up the credit line as soon
as they are eligible to do so. This is because the credit line grows over time at a
compound rate.
The 4 key benefits to setting up a HECM line of credit
1. It diminishes the need to hold cash reserves for emergencies. Holding
cash has an opportunity cost and low returns.
2. It provides flexibility and the reserves to avoid cashing investments
in a bear market.
3. It allows the homeowner to decide how much home equity is used
to meet needs if the investment portfolio is exhausted.
4. It increases the life expectancy of an investor’s retirement nest egg.

6. We see the role of financial planners as fundamental to the future
success and innovations in the reverse mortgage market.
By closely working with financial planners and listening to the
feedback from their clients, we can continue to innovate and
deliver long-term solutions that meet the financial planning needs
of those at or approaching retirement.
We want to see the responsible, flexible use of home equity
considered in retirement planning amongst the wealth of other
options available in a considered, co-ordinated strategy that has
the client’s long-term interests at heart.
Responsible Reverse Mortgage, Inc.
A FINAL MESSAGE FROM
RESPONSIBLE REVERSE MORTGAGE, INC.
Responsible Reverse Mortgage, Inc.
www.responsiblereverse.com
1-800-953-8566
Our NMLS number is 1212765
www.nmlsconsumeraccess.org
Responsible Reverse Mortgage, Inc is incorporated in the State of Florida and has its
registered address at:
515 N Flagler Drive, P300, West Palm Beach, FL 33401

7. Talk to one of our Reverse Mortgage Specialists to find out how the
HECM can help your client’s retirement funds last longer.
financialplanning@responsiblereverse.com
responsiblereverse.com/fp
1-800-953-8566
RESPONSIBLE
REVERSE
MORTGAGES
LOCAL
YOUYOU
2 BBB Rating: A+
ACCREDITED
BUSINESS
R
Jose Caba Acosta
Licensed Reverse Mortgage Loan Officer
Email: jose.caba.acosta@responsiblereverse.com
Phone: 561-818-8905
NMLS #: 1384967

8. responsiblereverse.com/fp
1-800-953-8566
RESPONSIBLE
REVERSE
MORTGAGES
NMLS #: 1212765