Integrating Home Equity into Retirement Strategies via HECM Reverse Mortgages – Legal, Tax & Financial Implications & Opportunities

Brad Dela Cruz, American Advisors Group

Ryan Ponsford, American Advisors Group

1.0 CE – Estate
$45 PFAC Member – $65 Non Member

About Brad Dela Cruz

Brad Dela Cruz has spent the last 18 years working within the business and residential lending industries, the last 13 years focusing exclusively on reverse mortgage loans, both FHA and Jumbo reverse mortgages. Brad has extensive knowledge and experience working with POA’s and Conservatorships and knows how to structure reverse mortgage loans to meet your client’s specific needs. Through the years, he has educated hundreds of financial professionals in the use of reverse mortgage loans in order for them to best advise their clients.

About Ryan Ponsford

Ryan Ponsford has been an innovator in the wealth management and philanthropic industries for over 20 years. His specialties have included the integration of real estate and business interests into comprehensive plans, with a focus on ensuring families maintain continuity over generations. Ryan has spoken and chaired conferences throughout the United States and Canada and has been a guest for hundreds of interviews, radio programs, and podcasts. His role with American Advisors Group is to provide strategic insight and education to professionals in the financial, legal, and tax arenas.

About the Session

This workshop is designed to provide a more advanced look at tools and strategies that advisors, fiduciaries, attorneys, and tax professionals may wish to incorporate into their planning for clients in, or approaching retirement age. With the rapid increase in the number of retirees and the significance of wealth in home equity, professional advisors often have a fiduciary responsibility to understand how housing wealth fits into the clients’ comprehensive plan in order to serve in the best interest of the client. This workshop will specifically address research & math revealing that the Home Equity Conversion Mortgage is no longer a product of last resort, but rather a meaningful strategic tool to address retirement needs and risk mitigation for mass affluent families.