Michael Bowers

Branch Manager | HECM Specialist
NMLS# 61535

4555 Lake Forest Drive Suite 650
Cincinnati, OH 45242

About Me

Michael Bowers

Branch Manager | HECM Specialist | NMLS# 61535



Planning & Organizational Skills • Financial Needs & Cash flow Analysis • Written & Oral Communications • Radio Talk Show Host & Thought Leader on Retirement Planning

Author of Weekly Financial Newspaper Column • Distilling Complex Financial Ideas & Strategies

Offering Evidence Based Retirement Income Solutions


Retirement Funding Solutions – Cincinnati, Ohio 45069 | 2015 – Present

Senior Loan Officer specializing in the FHA HECM loan program for retirees.

Security One Lending – Cincinnati, Ohio 45069 | 2013 – 2015

Senior Loan Officer specializing in the FHA HECM loan program for retirees.

American Mortgage Service Company – Cincinnati, Ohio | 2008 – 2013

Senior Loan Officer specializing in the FHA HECM loan program for retirees

Trinity Financial Group, Escondido, California | 1977 – 2007

DBA, California Homes and Loans

Owner, Real Estate Broker, Real Estate Investment Banker – Senior Housing

KCEO AM 1000, San Diego, California • 1 year

Weekly Talk Show Host of “It’s Your Money San Diego”

Hosted and produced a weekly talk show about personal finances, investments and related topics. Organized the program to reflect a broad community-based information format; Interviewed guests on the air including mutual fund portfolio investment managers, financial advisors and asset managers, real estate and asset based syndicators, estate and family planning attorneys, certified public accountants dealing with changing tax laws.

THE TIMES ADVOCATE (a.k.a THE NORTH COUNTY TIMES), San Diego, California • 1 year

A daily newspaper covering North San Diego County and parts of Southeastern Riverside County

“The Financial Advisor” Columnist

Provided weekly content on local economy; personal financial matters including investing in stocks, bonds and mutual funds – Disseminated advice on developing retirement plans and appropriate retirement plan investments, and estate planning


Financial Planning Association of Southwestern Ohio

National Association of Insurance and Financial Advisors – NAIFA

Certified Home Equity Retirement Specialist – HERS ®

Certified HECM for Purchase Specialist – H4P®

Cincinnati Area Board of Realtors

Northern Kentucky Association of Realtors

Director of Development / Cincinnati Senior Connection

Past President San Diego Chapter of CFP’s (Certified Financial Planners)

Past President of Palomar Health Foundation

Rotary International – Paul Harris Fellow


Certified Financial Planner (relinquished marks)

NASD Series 7, 24, 27, 63 (relinquished licenses)

Senior Real Estate Specialist – SRES

Certified Instructor -The American CE Institute – Providing Continuing Education and Training for Financial Advisors, Attorneys, CPA’S, Insurance and Real Estate Agents


Bachelor of Science in Business Administration

University of Kentucky, Lexington, Kentucky

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

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