CPAs
A planned expense, repeated taxable withdrawals or a tax planning opportunity can be the opening.
Review CPA referral situationsFor professional partners
Your client has a goal.
Let’s give the plan another option.
When a withdrawal, care expense, survivor concern or housing move creates a funding question, Richard can help you evaluate what the home could contribute and bring a workable mortgage option to the table.
Choose the conversation you’re having.
Financial advisors
Reserve needs, withdrawal timing and survivor cash flow can warrant a housing finance comparison.
Review advisor referral situationsAttorneys & elder care professionals
Care, divorce and survivor transitions need funding and housing plans that work in practice.
Review family transition situationsRealtors
Help an older buyer compare the next home’s financing before the move stalls.
Explore purchase opportunitiesA specialist at your table
Your advice stays central.
Richard brings the mortgage analysis.
As a former CPA with a background in real estate finance and development, he understands why the funding source matters. He can prepare and explain a current mortgage illustration while you evaluate how it fits the client’s tax, investment, legal or care plan.
When the client wants to proceed, Richard handles the mortgage work and coordinates with the people they authorize. Your advice stays central to the broader decision.
About RichardA useful first review needs very little.
Start with the goal, approximate ages, property location, estimated home value and any existing mortgage balance. A hypothetical or anonymized situation is welcome.
There’s no need to send personal documents for that initial conversation. He can arrange an appropriate way to share them if the review moves forward.
Bring a client questionFrom a question to a useful next step.
1. Describe the situation.
Describe the client’s goal and the funding choices already under consideration. That first discussion can establish whether a mortgage review could add value.
Discuss the scenario2. Compare the numbers.
Where there appears to be a fit, the illustration can cover proceeds, costs, cash flow and projected balance under stated assumptions.
See the mortgage options3. Introduce the client.
With the client’s permission, Richard can review the proposal with the advisory team. If the client chooses to apply, he guides the mortgage process and keeps the authorized team involved.
Arrange an introductionFor professional partners
Bring the client’s question. Explore the housing options.
Practical articles for financial advisors, CPAs, attorneys and elder care professionals, adapted from Retirement Architecture Review.
Before the Next IRA Withdrawal, Bring the Home Into the Conversation
A planned expense is an opportunity to compare funding sources before the client moves the money.
Read the articleA Source of Liquidity Can Help Before Your Client Uses It
An available reserve can give an advisory team more time to make a good decision when life gets expensive.
Read the articleCan the Survivor Keep the Home Comfortably?
Review the house alongside survivor income while both spouses can help shape the plan.
Read the articleWhen Care Begins, Help the Family Compare the Funding Choices
Connect a care plan with a practical funding review before the family has to make several decisions at once.
Read the articleBefore the Divorce Settlement Is Final, Test the Housing Plan
Help each spouse understand how a housing decision will work after one household becomes two.
Read the articleThe Home Is Worth More. Is It Still Comfortable to Carry?
Rising carrying costs can reveal a planning opportunity even when the client’s net worth looks strong.
Read the articleWhich client comes to mind?
You don’t need to decide whether a reverse mortgage is the answer before calling. Bring the situation and determine together whether it deserves a closer look.