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Retirement today looks very different than it did a generation ago.
Many clients enter retirement still carrying debt, or with cash flow that feels tight - even though they are house rich. On paper, their plans may look sound. In real life, they often feel constrained, exposed to payment rigidity, and vulnerable to lender-driven changes.
Matthew Hines and Gregory Stanley have spent decades working alongside advisors in these exact situations - when traditional planning assumptions begin to strain under longevity, inflation, and ongoing debt obligations.
This CE session explores how modern retirement-style mortgages are being used to support retirees who are income-constrained but equity-strong, with a focus on structure, suitability, and real-world outcomes. Particular attention is given to moving away from callable bank debt toward non-callable, and from full-recourse toward non-recourse, retirement-appropriate mortgage structures.
The session also examines how payment flexibility plays a critical role in retirement planning - including structures that allow clients to choose full interest payments, partial payments, or no payments at all, adjusting over time as income, health, and lifestyle needs change.
In addition, two increasingly common equity-based cash-flow streams are introduced:
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Home-equity-funded, tax-free annuity income, and
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A reset-to-zero monthly spending facility, providing up to $2,000 per month, structured with a low, long-term fixed rate.
Matthew Hines and Gregory Stanley are co-authors of The Protected HELOC® Approach, written in both client and advisor editions, and The Canada Reverse Mortgage Guide, available on Amazon and widely used as an educational resource across Canada.
In this session, they share what advisors are seeing sooner - and why understanding modern retirement-style mortgages leads to calmer, clearer conversations with clients seeking flexibility, stability, and dignity in retirement.
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