09/02/2026
The “handoff” moment matters.
I work with financial advisors, CPAs, estate planning attorneys, elder care attorneys, and senior care professionals to help answer one important question:
When should home equity be included in the retirement plan?
The client I want to be introduced to is usually 62 or older, has meaningful home equity, has retirement assets, and wants to remain financially independent — but something is putting pressure on the plan.
The CPA may hear: “I hate taking this much out of my IRA just to cover expenses.”
The advisor may hear: “The market is down, and I really do not want to sell investments right now.”
The estate attorney may hear: “I want to stay in this house, but I’m worried about having enough liquidity as I get older.”
The senior care advisor may hear: “Mom wants to stay home, but we’re not sure how long her money will last if she needs more care.”
Those are my listen-for moments.
A reverse mortgage is not automatically the answer. My role is to help determine whether a HUD-insured HECM can create liquidity, improve retirement cash flow flexibility, and preserve other assets.
If you hear one of those sentences, that is the handoff moment. That is when I would like you to think of me.
🔗 bit.ly/ReverseWithFalbo | 🔗 bit.ly/MortgagesWithFalbo
Certified Reverse Mortgage Professional | Certified Mortgage Advisor
NMLS #2224020 | Licensed in MA, NH, ME, CT, SC, FL
Bringing Financial Clarity to Real Estate Decisions — Expert Mortgage Solutions for Every Stage of Life.
If you're 55 years or older, reverse mortgage home loans allow you to turn your home equity into cash for retirement or expenses. Learn about qualifying criteria.
