You have clients who are house-rich and cash-constrained. I’ve spent three decades in California residential lending, most of it specialized in reverse. Here is exactly how I work with professionals — including the two commitments that matter most.
Peer-reviewed work in the Journal of Financial Planning reframed housing wealth as a coordinated retirement asset rather than a last resort. Three mechanics matter for your clients:
Clients draw from the reverse line during down markets instead of selling depressed assets, then let the portfolio recover. The order of withdrawals, not just the average return, decides whether money lasts.
Opened early and left unused, the HECM credit line grows over time regardless of the home’s market value — a reserve most advisors have never had explained correctly.
Proprietary programs serve California homes to $4 million with eligibility starting at age 55 and no FHA insurance premium. For affluent clients, the toolbox is larger than the FHA program most articles describe.
| You are a… | The client situation I typically help with |
|---|---|
| Financial advisor / CFP | Portfolio drawdown pressure; a mortgage payment consuming retirement cash flow; establishing a standby credit line as part of the income plan. |
| Estate attorney | Home held in a revocable trust; funding needs without disturbing the estate plan; keeping a residence in the family while solving liquidity. |
| CPA / EA | Clients whose returns show the cash crunch first; interest and basis questions answered with documentation, not marketing. |
| Professional fiduciary / trustee | Court-supervised or trust-administered situations needing documented options, clean files, and conservative analysis. |
| Elder law attorney | Care-funding gaps where home equity is the available resource and every alternative needs to be on paper. |
I reach your client within 24 hours and copy you on the confirming email, so you know the hand-off landed.
Options, complete costs, and the do-nothing comparison — delivered to your client and to you. You see exactly what they see.
If the loan is wrong for your client, I say so in writing, to both of you, with the reasoning. This is the commitment that protects your name.
Counseling scheduled, California’s 7-day cooling-off period observed, underwriting milestones reported. No surprises reach your client before they reach you.
Your client is never marketed to, never cross-sold, never added to a drip campaign. One loan, handled well, and the file closes.
No pitch, no ask. I’ll walk through the current rules, the jumbo programs, and the planning research — and you’ll leave knowing exactly when this tool belongs in a client conversation and when it doesn’t.
(818) 674-7284A written briefing on reverse mortgages for affluent clients — built for advisors and attorneys, not consumers. Request a copy and I’ll send it over, no follow-up campaign attached.
Request the guide