Jeannie Hager at Mutual of Omaha Reverse Mortgage

🤖Guard Against Digital Trackers: Take control of your online footprint! Regularly clear cookies and use browser extensions to limit tracking. Keep your digital trail private and enjoy a more secure online experience.

🔍Navigating the complexities of retirement planning is a journey best taken with the guidance of a financial advisor. Consider consulting a financial professional for personalized guidance that can empower you to make informed decisions and pave the way for a secure and fulfilling retirement. Here's why seeking professional advice is a crucial step in your financial wellness journey:

1. Personalized Retirement Strategy:A financial advisor can assess your unique financial situation, goals, and risk tolerance to create a personalized retirement strategy. This tailored approach ensures that your plan aligns with your specific needs and aspirations.

2. Maximize Retirement Income:Professionals are equipped to optimize your retirement income. Whether it involves Social Security optimization, pension planning, or drawing from investment accounts, a financial advisor can help you make strategic decisions that maximize your financial resources.

3. Manage Investment Portfolios:Effective investment management is crucial for long-term financial success. A financial advisor can assist in constructing and managing a well-balanced portfolio that aligns with your risk tolerance and financial objectives, considering factors such as diversification and asset allocation.

4. Evaluate Estate Planning:Estate planning is crucial for preserving and transferring wealth. A financial advisor can work in tandem with estate planning professionals to ensure your wishes are met, and your legacy is passed on efficiently.

5. Engage with a Reverse Mortgage Expert:If considering a reverse mortgage, consult with a reverse mortgage expert. Their specialized knowledge can help you understand the benefits and potential risks associated with a reverse mortgage, allowing you to make an informed decision about this financial tool.

Remember, seeking professional advice is a proactive step towards securing a comfortable and worry-free retirement. Consult with a financial advisor to embark on a personalized financial wellness journey.

🗝️Uncover the key to a truly fulfilling retirement with this insightful article. Explore how your hobbies can become the secret sauce for a joyful and purposeful life after retirement.

The key to a fulfilling retirement may lie in your hobbies Researchers have found that hobbies create more happiness and life satisfaction and decrease depression. So how do you find a hobby?

Myth vs. Fact about Reverse Mortgages🏠️

🚨Safeguarding your financial well-being in retirement involves more than just managing accounts. Protect yourself from identity theft with these key practices, ensuring a secure and worry-free retirement:

1. Regularly Monitor Accounts:Stay vigilant by regularly monitoring your financial accounts. Regular checks help you quickly detect any unusual activities or unauthorized transactions, allowing you to take prompt action in case of suspicious behavior.

2. Use Strong, Unique Passwords:Employ strong, unique passwords for your online accounts. Avoid using easily guessable information and consider using a mix of letters, numbers, and symbols. Regularly update your passwords to enhance security.

3. Enable Two-Factor Authentication (2FA):Enhance your account security by enabling two-factor authentication wherever possible. This adds an extra layer of protection, requiring a second verification step in addition to your password.

4. Be Wary of Phishing Attempts:Exercise caution when receiving emails, messages, or phone calls requesting personal or financial information. Be skeptical of unsolicited communications and verify the legitimacy of the request before providing any sensitive details.

5. Shred Sensitive Documents:Dispose of financial documents and statements carefully. Shred any paperwork containing personal information before discarding to prevent identity thieves from gaining access to your sensitive data.

6. Monitor Your Credit Report:Regularly check your credit report for any unfamiliar accounts or discrepancies. Reporting any discrepancies promptly can help prevent further damage to your credit score and financial well-being.

Remember, proactive identity theft protection is a crucial component of financial safety in retirement. By implementing secure practices and staying vigilant, you can safeguard your financial information and enjoy a worry-free retirement.

📉The fear of rising living costs jeopardizing your retirement dreams is a shared concern. Dive into this eye-opening article that explores the worries many share about the impact of the increasing cost of living on retirement goals.

Afraid rising cost of living will kill your retirement goals? You are not alone. New year, higher expenses? Rising cost of living is scaring some Americans looking to save for retirement.

🌟Honoring the legacy of Martin Luther King Jr. today and every day. His courage, wisdom, and commitment to justice continue to inspire us. Let's reflect on the progress we've made and the work that still lies ahead.

🎺New Orleans, often referred to as "The Big Easy," is a city renowned for its vibrant culture, lively music scene, and distinctive culinary traditions. Nestled along the Mississippi River, it's a melting pot of influences that have shaped its unique identity, making it a captivating destination for both locals and visitors.

Things to Do and See in New Orleans:

French Quarter:
Immerse yourself in the heart of New Orleans at the French Quarter. Wander through its historic streets, admire the architecture, and soak in the lively atmosphere of Bourbon Street.

Live Jazz on Frenchmen Street:
Experience the soulful sounds of New Orleans by exploring the music scene on Frenchmen Street. From jazz clubs to vibrant street performances, the area is a hub for live music.

Café du Monde:
Indulge in the city's culinary delights at Café du Monde. Famous for its beignets and chicory coffee, this iconic spot in the French Quarter is a must-visit for a taste of New Orleans' flavors.

Steamboat Natchez Cruise:
Enjoy a scenic cruise along the Mississippi River on the Steamboat Natchez. Take in panoramic views, learn about the city's history, and enjoy live jazz music on the deck.

Mardi Gras World:
Get a behind-the-scenes look at the elaborate floats and costumes of Mardi Gras at Mardi Gras World. This immersive tour provides insight into the city's most celebrated and colorful festival.

New Orleans' dynamic energy, rich history, and lively traditions make it a captivating destination that offers a blend of cultural experiences and a celebration of life.

📈Navigating the investment landscape in retirement requires strategic thinking. Diversifying your investment portfolio is key to managing risk and achieving a well-balanced financial plan. Here's why it matters:

1.Diversification for Risk Management:Spread your investments across different asset classes, such as stocks, bonds, and real estate. Diversification helps reduce the impact of poor-performing assets on your overall portfolio, minimizing the risk associated with market fluctuations.

2. Stability and Growth:A well-balanced portfolio aims to strike a harmonious blend between stability and growth. While some investments may offer steady income, others have the potential for capital appreciation. Finding the right mix ensures your portfolio can weather market changes while providing the opportunity for growth.

3. Consider Your Risk Tolerance:Evaluate your risk tolerance when crafting your investment strategy. Your risk tolerance is influenced by factors such as your financial goals, time horizon, and comfort level with market fluctuations. Aligning your portfolio with your risk tolerance helps you stay resilient during market ups and downs.

4. Regularly Reassess Your Portfolio:Market conditions and personal circumstances change over time. Regularly reassess your investment portfolio to ensure it remains aligned with your financial goals. Adjustments may be necessary to accommodate changes in risk tolerance, lifestyle, or market conditions.

5. Seek Professional Advice:If you find the investment landscape complex or overwhelming, seek guidance from a financial advisor. A professional can help you tailor an investment strategy that aligns with your unique goals and risk profile.

Remember, investing wisely in retirement involves a thoughtful balance of risk and reward. Diversifying your portfolio provides the stability and growth needed to secure your financial future.

🚀Are you at the beginning of your career and eager to set the stage for a prosperous retirement? Explore this insightful MarketWatch article that outlines four key resolutions tailored for younger workers just embarking on their professional journeys.

4 retirement resolutions for younger workers just starting their careers It is never too early to set yourself up for future financial security. Here are a few easy ways to get going.

👉️Opting for a reverse mortgage is a strategy employed by some individuals to postpone the claiming of their Social Security benefits. This approach allows them to boost their eventual monthly benefit amount when they commence receiving Social Security payments. Contact me today to learn more!

Happy Financial Wellness Month! Here is a tip⬇️Securing your retirement involves more than just managing investments. Regularly reviewing your insurance policies is a crucial step in ensuring comprehensive financial protection. Here's why an insurance checkup is essential:

1. Life Insurance Evaluation:Review your life insurance coverage to ensure it aligns with your current financial obligations and goals. Consider whether your policy provides adequate protection for your loved ones in the event of the unexpected.

2. Health Insurance Coverage:As healthcare needs change with age, assess your health insurance coverage. Ensure your policy meets your current medical requirements and consider any potential adjustments, especially if you're transitioning from employer-sponsored coverage to Medicare.

3. Long-Term Care Consideration:Evaluate your long-term care insurance, if you have it. Long-term care can be a significant expense in retirement, and having the right coverage can help protect your assets and provide peace of mind for you and your family.

4. Property and Casualty Insurance:Review your homeowner's or renter's insurance, as well as any auto insurance policies. Make sure your coverage is up-to-date and sufficient to protect your home, belongings, and vehicles.

6. Policy Beneficiary Updates:Life changes may require updates to your policy beneficiaries. Marriage, divorce, or the birth of a child are events that may necessitate adjustments to ensure your benefits go to the intended recipients.

7. Work with an Insurance Professional:If you find insurance details overwhelming, consider consulting with an insurance professional. They can help you navigate policy options, assess your coverage needs, and ensure you have the right protection for your retirement years.

Remember, adequate insurance coverage provides a solid foundation for your retirement security. Regular reviews ensure that your policies evolve with your changing needs.

🎙️ Bringing in the New Year and wrapping up this series on unlocking the potential of home equity in retirement planning! Join Jamie Hopkins and Ana Trujillo Limón with Dr. Barry Sacks, Principal at the Law Office of Barry H. Sacks. 💡

Discover Dr. Sacks' groundbreaking research on retirement income and housing wealth, shedding light on the importance of home equity and the use of reverse mortgages to navigate investment challenges. Explore his 2021 paper on the risk side of retirement planning, addressing the regulatory landscape, challenges faced by financial planners, and the intricacies of asset division in divorce.

Barry delves into:

Utilizing reverse mortgages and home equity lines of credit in retirement planning.

The significance of home equity as a crucial asset in retirement planning.

Increasing safe withdrawal percentages by incorporating home equity.

Understanding the risk of cash flow exhaustion in retirement planning.

Challenges financial advisors encounter when discussing reverse mortgages.

Utilizing reverse mortgages in divorce for preserving retirement income.

Click the link to listen to this eye-opening episode!

‎Framework with Ana Trujillo Limón with Guest Barry Sacks, J.D., Ph.D. ‎Show Framework with Ana Trujillo Limón, Ep Carson’s Home Equity 5-Part Series with Guest Barry Sacks, J.D., Ph.D.

Embarking on estate planning? 📜Before naming trustees, there's a game-changing step you might be missing. Check out this insightful article that sheds light on the importance of seeking consent from your trustees before making it official.

Before Naming Trustees, Get Their Consent The person you choose to inventory and distribute the assets of your estate should not learn that fact while deep in grief

The first day of the new year is a blank canvas waiting for your unique masterpiece. Let's cultivate a mindset of positivity, kindness, and empowerment. Together, we'll make 2024 a year to remember! 🙌

Gratitude for Another Year Together 🌟🕛As the clock strikes midnight, let's express gratitude for the moments shared, the bonds strengthened, and the love that has carried us through. May the coming year bring us health and happiness. Happy New Year!

🌟Discover the incredible health benefits of volunteering, especially for older adults! This article reveals how volunteering can improve physical health, mental health, and provide a sense of purpose. Meet inspiring volunteers who pack meals for critically ill patients, and whose trained service dog brings joy to hospitals and schools. Learn about the significant impact volunteering can have on your well-being and the lives of others.

Help Yourself by Helping Others Volunteer work can offer significant health benefits, especially for older adults

Happy Kwanzaa! 🕯️✨Wishing everyone a joyous celebration filled with the principles of unity, self-determination, and community. May this Kwanzaa bring warmth, reflection, and the spirit of togetherness into your homes. Embrace the rich traditions and create lasting memories.

🎅The Gift of Family and Friends. Christmas is not just a day, but a feeling of warmth and togetherness. May your day be filled with the love of family and the laughter of friends. Wishing you a Merry Christmas and a season of joy!

🌅The Winter Solstice invites us to pause, reflect, and renew. As nature enters a period of stillness, may you find moments of peace and introspection. Let the season inspire a sense of tranquility and the promise of new beginnings.

🚀Unlock the secrets to successful retirement savings! New research reveals 4 key behavioral traits that pave the way to financial preparedness for retirement. Surprisingly, only 10% of workers possess these optimal characteristics. Discover how overoptimism, future orientation, financial literacy, and risk vs. reward can transform intentions into actions.

These behavioral traits lead to greater retirement savings, research finds. Retirement savers who have a combination of certain behavioral traits may be best able to turn their financial intentions into reality, research finds.

🎙Unlock the secrets of home equity in retirement income planning! Join Jamie Hopkins and Ana Trujillo Limón in a thought-provoking conversation with Dr. Wade Pfau, Founder of Retirement Researcher and RISA Profile.🏡

Discover the potential benefits of reverse mortgages and debunk common misconceptions. Wade sheds light on the emotional ties to homes and how it influences retirement planning decisions. Gain insights into understanding client needs, the ideal timing for reverse mortgages, and the importance of ongoing education in this evolving landscape.

This episode tackles:

When is the right time to consider a reverse mortgage.

Challenges and negative perceptions surrounding home equity and reverse mortgages.

The behavioral finance perspective on emotional attachment to housing wealth.

Dr. Pfau's groundbreaking research on housing wealth

Overcoming misconceptions advisors may have about reverse mortgages.

How advisors can effectively communicate with clients about reverse mortgages.

Areas where advisors can enhance their understanding of home equity and reverse mortgages.

Don't miss this enlightening discussion!

‎Framework with Ana Trujillo Limón with Guest Wade Pfau, Ph.D., CFA, RICP® ‎Show Framework with Ana Trujillo Limón, Ep Carson’s Home Equity 5-Part Series with Guest Wade Pfau, Ph.D., CFA, RICP®

👉️Eligibility for Social Security begins at 62 if you, your current or former spouse, have paid Social Security tax for a minimum of 10 years. However, taking these payments isn't mandatory until you reach age 70. A viable retirement strategy involves relying on upfront retirement savings and deferring Social Security benefits.

As reported by the Journal of Accountancy, you have the potential to increase your Social Security payments by up to 8% for each year of delay. Essentially, by waiting a decade to claim your payments, you earn an additional 8% on the amount due.

It's crucial to plan your Social Security benefits directly with the Social Security Administration to avoid scams. Unfortunately, scams related to Social Security often aim to deceive retirees into providing sensitive information, posing a risk to their retirement funds.

Another option to condsider is a Reverse Mortgage. Contact me to learn more!

📣Curious about options to boost income without returning to the workforce? Discover the benefits of a reverse mortgage, a unique opportunity for homeowners aged 62 and older. Learn how it can provide a financial cushion during market downturns and explore which type suits your retirement goals.

Contact me and I will walk you through the benefits!

💫'Tis the season to be tacky! Celebrate National Ugly Christmas Sweater Day with a dash of holiday cheer and a sprinkle of witty style. Remember, your sweater may be ugly, but your spirit doesn't have to be!

🎙 Exciting News! 🎙 Tune in to this Framework podcast episode, where Jamie Hopkins and Ana Trujillo Limón are joined by the incredible Shelley Giordano!

Shelley of Mutual of Omaha Mortgage, brings her unparalleled expertise to the table as they explore the dynamic world of reverse mortgages and retirement planning.

In this episode, Shelley Giordano, alongside industry experts, shares invaluable insights on dispelling misconceptions, unlocking the potential benefits of reverse mortgages, and emphasizing the crucial role of home equity in retirement planning.

They delve into:

Objectives of the Longevity Funding Task Force and the Academy for Home Equity in Financial Planning.

Factors contributing to misconceptions among financial advisors.

Diverse benefits of reverse mortgages, including self-funding for long-term care.

Listen to this captivating conversation in the link!

‎Framework with Ana Trujillo Limón: Carson’s Home Equity 5-Part Series with Guests Shelley Gior ‎Show Framework with Ana Trujillo Limón, Ep Carson’s Home Equity 5-Part Series with Guests Shelley Giordano

🕰️People are aging into their 80s, 90s, and beyond. This article sheds light on how, as a society, we can address better longevity, financial literacy, and housing challenges. These insights from the Stanford Center on Longevity's Century Summit illuminate a path to age well. Let's redefine aging for a fulfilling and sustainable future!

What if you live to be 100? 7 ways to improve aging for everyone. How are we doing with adapting to longer lives and much longer retirements? Not well.

🙌Embrace the tranquility of retirement with the art of right-sizing! Explore the benefits of a thoughtfully tailored home that complements your golden years. Less upkeep, reduced expenses, and the freedom to choose your dream location. Let's plan your ideal retirement home together!

🤝Today marks International Human Rights Day—a moment to honor the inherent rights and freedoms bestowed upon every individual worldwide, spanning from the moment of birth to the end of life. It's a day to renew our dedication to safeguarding these rights, striving to guarantee that everyone has the chance to lead a life of dignity and equality.