Have you ever heard about the five Ls? Longevity? Are you concerned that you may out live your money? Liquidity? Maybe you have equity in your home, I call housing wealth, maybe you have money in the bank but can’t access it. Lifestyle? Why should lifestyle change with age when you are working? You can Travel. Go out to dinner, Movies…. Why should that change when you retire. Legacy? How do you want to be remembered? Long-term care? How do you plan on paying for care if and when you need it? Reverse mortgage is no longer a last resort to keep the senior in the home. It’s a tax efficient retirement income tool that can help you age in place and maintain financial independence. There are 18 risks that can derail retirement for example loss of a spouse, inflation, sequence of return risk, dementia if you want to learn more about the 18 risks.