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Integrating Home Equity and Retirement Savings Through the “Rule of 30” - Neuwirth and Sacks

It is well-documented that most people reaching retirement age have savings (whether in a 401(k) account or otherwise) that are inadequate to meet their consumption needs during retirement.

Recent research has shown that integrating home equity with retirement savings provides a strong enhancement of the amount available throughout retirement.

The enhancement is obtained by the use of a simple “coordinated” strategy, which involves a reverse mortgage credit line to offset adverse investment returns in the savings portfolio.

In this one-hour session, you will learn:

  1. What the conventional strategy (a passive strategy) is for the use of home equity to enhance retirement income;
  2. What the “coordinated” strategy (an active strategy) is for the use of home equity to enhance retirement income;
  3. How to perform a simple estimate to determine the amount of inflation-adjusted cash flow a retiree can reasonably expect throughout a 30-year retirement.

Your presenters are:

Peter Neuwirth, FSA, FCA, Fellow of the Society of Actuaries

Peter Neuwirth, FSA, FCA

Peter Neuwirth is a Fellow of the Society of Actuaries, the highest designation they offered, a and Fellow of the Conference of Consulting Actuaries. He worked with WIllis Towers Watson for 38 years in both the insurance and the pensions world as a consulting actuary helping large companies manage their retirement programs. He is now retired and pursues freelance/independent projects that could benefit from actuarial thinking. In October, 2017, Peter Neuwirth, together with Barry and Stephen Sacks, published another article in the Journal of Financial Planning titled “Integrating Home Equity and Retirement Savings through the “Rule of 30”” which expands the prior research to the middle market from just the more affluent market, and the findings of which will be presented to you in this webinar.

Barry H. Sacks, PhD, JD, Certified Specialist, Taxation Law

Barry H. Sacks, PhD, JD

Barry Sacks, Ph.D. earned his Ph.D. in semi-conductor physics from M.I.T., and then taught at U.C. Berkeley. He earned a J.D. Harvard Law School, and is a Certified Specialist, Taxation Law, from the California Board of Legal Specialization.  Barry spent 35 years as an ERISA attorney, specializing in qualified retirement plans. He then used his breadth of skills to discover a role for a reverse mortgage to help make a retirement portfolio last longer. Barry now has a law practice providing special services to tax professionals in the area of “Offers in Compromise” for retirees living on 401(k) accounts or other securities portfolios.

Moderator: Betty Meredith, CFA, CFP®, CRC®, Int’l Retirement Resource Center

1 hr CFP®, CRC®, and other CE Credit Reporting

We will report your CFP® and/or CRC® credit (no additional reporting fee) – please add your ID at checkout. You are responsible for reporting all other certifications for CE credit.

Overall Rating: 4.5 / 5Integrating Home Equity and Retirement Savings Through the “Rule of 30” – Neuwirth and Sacks

The $29 fee is waived for all 90 Days – $99 and 365 Days – $199 subscriptions. Subscribers have ALL ACCESS to this and 60+ other live, rebroadcast, and on-demand courses at no extra fee!

Retirement Resource Center Risk Free Guarantee

Your satisfaction guaranteed:We know that you will be pleased with your purchase of this product. If, however, you are not completely satisfied notify us within 30 days of your purchase to receive a full refund of your fee, less any CFP® CE reporting fee for the course that was filed prior to cancellation.

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Integrating Home Equity and Retirement Savings Through the “Rule of 30” - Neuwirth and Sacks

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