This webinar will help advisors collaboratively implement proactive protections and expanded options concerning marital mortgage refinance and purchase mortgage funding to retain or regain homeownership after silver divorce, including HECM Reverse Mortgage and HECM for Purchase (H4P).

Learning objectives:

1. Compare the impact of: 2008-09 (mortgage meltdown), 2019-22 (Tax Cuts & Jobs Act + pandemic/forbearance) and 2023-25 (equity, inventory, interest rates) events on divorce real estate decision-making.

2. Discover three legal and financial gaps from hold harmless provisions and related contingencies in silver divorce property settlements when the house is kept by the remaining spouse and the marital joint mortgage is not assumed or refinanced.

3. Explore legal and financial risks from silver mortgage delayed/failed refinance under forward mortgage underwriting obstacles common to seniors with expanded opportunities for successful real estate secured debt funding through a HECM Reverse Mortgage or a HECM for Purchase (H4P).

4. Under the Garn St. Germain Act [or under federal law], recognize two key risks and consequences concerning pre-existing mortgages from transferring real estate title to specific types of Trusts under federal law.

Meet Kelly Murray, J.D.

Prof. Kelly L. Murray, J.D. is a lawyer, legal scholar, and serial entrepreneur focused on Realty Asset Dispute since 2007. She is passionate about helping preserve homeownership eligibility, especially in family disputes (Divorce, Probate, Elder Law). She graduated Phi Beta Kappa from Stanford Univ., cum laude from Harvard Law School, and retired as faculty from Vanderbilt Law School (18 years/retired 2023).

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business
• How to sell more homes and dramatically increase your commissions
• 10 things you should know about the Lifestyle Home Loan
• Why traditional financing or paying cash may sabotage your client’s retirement
• 16+ Frequently Asked Questions
• How to create a competitive advantage over other real estate professionals that boomers see immediately
• Why 52 million boomers aren’t using your services and how to change their mind

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business
• How to sell more homes and dramatically increase your commissions
• 10 things you should know about the Lifestyle Home Loan
• Why traditional financing or paying cash may sabotage your client’s retirement
• 16+ Frequently Asked Questions
• How to create a competitive advantage over other real estate professionals that boomers see immediately
• Why 52 million boomers aren’t using your services and how to change their mind

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business
• How to sell more homes and dramatically increase your commissions
• 10 things you should know about the Lifestyle Home Loan
• Why traditional financing or paying cash may sabotage your client’s retirement
• 16+ Frequently Asked Questions
• How to create a competitive advantage over other real estate professionals that boomers see immediately
• Why 52 million boomers aren’t using your services and how to change their mind

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business
• How to sell more homes and dramatically increase your commissions
• 10 things you should know about the Lifestyle Home Loan
• Why traditional financing or paying cash may sabotage your client’s retirement
• 16+ Frequently Asked Questions
• How to create a competitive advantage over other real estate professionals that boomers see immediately
• Why 52 million boomers aren’t using your services and how to change their mind

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business
• How to sell more homes and dramatically increase your commissions
• 10 things you should know about the Lifestyle Home Loan
• Why traditional financing or paying cash may sabotage your client’s retirement
• 16+ Frequently Asked Questions
• How to create a competitive advantage over other real estate professionals that boomers see immediately
• Why 52 million boomers aren’t using your services and how to change their mind

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

A new framework for understanding the tax efficiency of basis assets such as stocks and insurance products is needed which provides insight into which assets to sell first in retirement to fund income.

By paying attention to marginal tax rates during accumulation and distribution, and the unique characteristics of taxation among account types, advisors can provide true alpha to high income clients whether they are still in their working years or are already retired. This presentation introduces asset location among the four fundamental account types using a net return framework.

In “Optimizing for Long-Term Tax Efficiency in Client Portfolios” by Michael Finke, you will learn:

• How to build an investing strategy that funds a spending goal with the highest net return for a given level of risk.
• How to take advantage of asset location strategies to improve clients’ net investment returns.
• Tax-friendly asset liquidation strategies for clients with a variety of taxable and tax-sheltered accounts.

Meet Michael Finke, PhD, CFP®

Michael Finke is a professor of wealth management and Frank M. Engle Distinguished Chair in Economic Security at The American College of Financial Services. He received a doctorate in consumer economics from the Ohio State University in 1998 and in finance from the University of Missouri in 2011. He leads the O. Alfred Granum Center for Financial Security at the American College and is a research fellow at the Retirement Income Institute, and a member of the Defined Contribution Institutional Investment Association Academic Advisory Council. He also serves on the board of the Puerto Rico Pension Reserve Trust.

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business
• How to sell more homes and dramatically increase your commissions
• 10 things you should know about the Lifestyle Home Loan
• Why traditional financing or paying cash may sabotage your client’s retirement
• 16+ Frequently Asked Questions
• How to create a competitive advantage over other real estate professionals that boomers see immediately
• Why 52 million boomers aren’t using your services and how to change their mind

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business
• How to sell more homes and dramatically increase your commissions
• 10 things you should know about the Lifestyle Home Loan
• Why traditional financing or paying cash may sabotage your client’s retirement
• 16+ Frequently Asked Questions
• How to create a competitive advantage over other real estate professionals that boomers see immediately
• Why 52 million boomers aren’t using your services and how to change their mind

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.