Bob Tranchell

Home Equity Retirement Specialist, RICP
President's Club

NMLS # 286716

13 Steeple St. #2-107, Mashpee, MA 02649

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About Me

Bob Tranchell is a knowledgeable and community-focused reverse mortgage professional. Working exclusively in the HECM industry for the past 23 years, he established himself as an industry expert excelling at sharing the value of home equity retirement planning. Education has always been the hallmark of his career, where he has developed curriculum for CFPs, CPAs, and Realtors, and has taught hundreds of professionals the value of using HECMs in retirement planning.

Bob is deeply involved in supporting the senior community through education and service. He volunteers with WeCan’s Financial Empowerment program, where he provides one-on-one counseling in budgeting, debt management, and financial awareness, and also teaches a dedicated workshop on housing finance for seniors. In addition, he regularly teaches classes on mortgage options for older homeowners at local senior centers, including recent sessions at the Saltmarsh Senior Center on Nantucket. Bob also enjoys bringing joy to senior living communities by performing classic standards, Broadway favorites, and seasonal songs at assisted living facilities such as Allerton House in Hingham, Massachusetts.

As a retirement planning professional, Bob holds the RICP® (Retirement Income Certified Professional) designation from The American College of Financial Services. This advanced credential reflects his expertise in key areas of retirement strategy, including Social Security planning, healthcare and long-term care considerations, estate and legacy strategies, tax-efficient income planning, investment solutions, and guiding retirees in making informed decisions about their home equity and financial resources.

Outside of his professional work, Bob enjoys life on Cape Cod, where he is an avid foodie and loves exploring new local restaurants. He is a member of the Green Pond Yacht Club and spends much of his free time riding e-bikes along scenic routes such as the Cape Cod Rail Trail, the Cape Cod Canal Bike Paths, and the Shining Sea Bikeway.

With his blend of financial expertise, commitment to community education, and genuine care for the people he serves, Bob Tranchell is dedicated to helping retirees understand their options and build financial confidence in retirement.

Videos

Case Study Husband Passed

Case Study Difficult Divorce

Case Study Mortgage Payoff

Case Study Pension Concern

Case Study Upsizing

Social Security

Inflation

Lifestyle Home Loan

RELOC

Common Examples of What a HECM Can Help You Do

Purchase a new home to fit your lifestyle needs
Reduce monthly expenses by paying off existing mortgage
Enhance your cash flow
Create an emergency fund
Fund for home repairs or upgrades
Fund the expense for caregivers, live-in nurses, or other in-home care
Protect your retirement portfolio
Reduce monthly expenses by paying debt
Incorporate housing wealth into your retirement plan
Increase cash to help ensure monthly bills are paid
Reduce the burden of out-of-pocket healthcare costs
Have the cash for a large expense, such as a vacation or vehicle

What You Need to Know About Reverse Mortgages

The HECM Eight: Eight Powerful Ways a Reverse Mortgage Can Strengthen Your Retirement

When most people hear the words reverse mortgage, they think of a loan designed for someone who is short on cash. While supplementing retirement income was the original intent of the Home Equity Conversion Mortgage (HECM), today’s HECM is far more than an income solution. A HECM can turn dormant home equity into a strategic […]

The Modern HECM: How Legislative Changes Made Reverse Mortgages Safer Than Ever

If your perception of a reverse mortgage was formed years ago, it’s time for a second look. Many of the concerns people still have about Home Equity Conversion Mortgages (HECMs) are based on how the program operated decades ago—not how it works today. Over the last 40 years, Congress and HUD have made significant changes […]

Could Your Mortgage Still Be With You at Age 85?

For many homeowners, taking out a 30-year fixed-rate mortgage at age 55 feels completely manageable. At that stage of life, earnings are often near their peak, making the monthly payment seem like just another household expense. But there’s an important question to consider: Do you want to be making that same mortgage payment at age […]

Nantucket Seminar: Your Home, Your Future

Thursday, Sept 11th | 6:00 PM The Inky (The Inquirer & Mirror) 1 Old South Rd, Nantucket, MA 02554 Unlock the hidden power of your home. Whether you’re retired, nearing retirement, or advising clients as a local Realtor, financial planner, or estate attorney – this eye-opening event will show you how to turn your home equity […]

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