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Reversemortgage paymentsinretirement


Cost Free
Presentation Length 1.0 hour

Recorded DateFebruary 6, 2018
CPE:Not available
(archived webinars do not offer CPE credits)
Subject AreaTaxes
Course LevelBasic
Course Description


Today, more than ever, older Americans are continuing to make mortgage payments in their 60s, 70s, and even 80s.  With the elimination of the mortgage interest deduction, and the fact that mortgage payments can deplete a client’s retirement savings, it is important for anyone 62 or older making mortgage payments to understand the consequences of continuing to make these payments and to learn how the new reverse mortgage can create a more tax efficient retirement by eliminating their mortgage payments AND in many cases also add tax free income.

Join Tom Dickson, Channel Leader at RMF, as he educates you the facts about the most popular reverse mortgage, i.e. the FHA-insured reverse mortgages, a.k.a. “HECMs” and the value of the FHA insurance Protection. Tom will share examples that illustrate why and how 68% of CPA and financial planner clients used a HECM reverse mortgage to eliminate monthly mortgage payments.  

One client case Tom will review is a 65 year-old couple that used a HECM reverse mortgage to eliminate their $1,500 monthly mortgage payment, plus draw an additional $850 per month in tax-free cash from the HECM for a $2,350 positive change to their monthly cash flow. 

You should attend if you have clients 62+ making mortgage payments and are:  

  • Struggling with monthly cash flow

  •  Depleting their savings to make mortgage payments

  •  Paying unnecessary taxes on qualified withdrawals to make mortgage payments

  •  Can use additional guaranteed income

  •  Have no long term care insurance

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Tom Dickson

Reverse Mortgage Funding LLC
National Leader of Financial Advisor Channel

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Tom Dickson is the National Leader of the Financial Advisor Channel at Reverse Mortgage Funding LLC (RMF). He directs RMF’s efforts to educate financial advisors on the new case for reverse mortgages and their use in strategy planning in retirement. Mr. Dickson is also responsible for managing RMF’s “Retirement Experts Network,” an online educational platform designed to help financial advisors learn more about important retirement issues. His monthly webinar series has educated over 45,000 advisors nationally on important retirement topics. Prior to joining RMF, Mr. Dickson was part of the MetLife Bank team that secured funding to support the academic research conducted by Harold Evensky and John Salter, which evaluated the use of a reverse mortgage as a strategic planning tool. Before joining MetLife Bank, he led sales for the launch of a financial advisor portal backed by Fidelity, Putnam and Franklin Templeton, which grew to over 120,000 registered users. During his extensive career working with financial advisors, he has held Series 6 and 65 securities licenses, helped launch some of the first online brokers and non-proprietary wrap programs and served as Product Manager for Mellon’s Institutional Custody business. In addition to hosting a variety of professional development presentations by speakers who are experts in their respective fields, offers members free access to an array of scholarly and topical resources on important financial subjects including Social Security, reverse mortgages, student financial aid and college planning, Medicare, divorce planning and more. Most webinars will typically offer continuing education (CE) credits to advisors who hold the CFP® designation. Visit to learn more about webinars and expert resources.

About Our Presenter

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Established in 2012, Reverse Mortgage Funding LLC (NMLS ID #1019941) is one of the fastest-growing lenders in the industry, one of the nation’s largest GNMA issuers of reverse mortgages, and a recognized thought leader in the reverse mortgage business. A wholly owned subsidiary of Reverse Mortgage Investment Trust Inc. (RMIT), the company’s focus is on originating, acquiring, investing in, and managing reverse mortgage loans and securities backed by reverse mortgage loans. The company is headquartered in New Jersey, with corporate offices in New York and California and field offices throughout the U.S.