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PARTNER EVENT: TOM DONCASTER 

Register to attend our LIVE partner event

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Learn Strategies to Optimize Retirement Income, Social Security with a Reverse Mortgage Loan

If you’re among the millions of Americans who are currently, or planning to file for Social Security benefits, one of the most confusing but important elements of retirement planning is understanding how Social Security works. About half of retirees apply for Social Security as soon as they become eligible at age 62, but by doing so, they may significantly and permanently impact their lifetime income and benefits. Wisely managing your Social Security starts with understanding the facts and knowing your options.

Educational Course Description: 

During this educational course, we will educate you and help you understand your options BEFORE filing for Social Security benefits. You will hear about the do’s and don’ts of retirement and how Reverse Mortgage Loan may help with your retirement tax planning.

  • Learn Strategies to Optimize Retirement Income, Social Security, using Reverse Mortgage Loans (HECM)
    Multiple Dates
    Learn Strategies to Optimize Retirement Income, Social Security, using Reverse Mortgage Loans (HECM)
    Fri, Apr 21
    Richland Public Library
    Apr 21, 10:30 AM – 12:30 PM
    Richland Public Library, 955 Northgate Dr, Richland, WA 99352, USA
    If you’re among the millions of Americans who are currently, or planning to retire, there is a finite time to prepare. Register for our event and learn how to optomize your retirement income by considering a Reverse Mortgage Loan.
    Register Here

During this educational course you will learn: ​

  • How to eliminate market risk

  • How to create guaranteed lifetime income

  • How to avoid today's tax traps

  • How to grow your retirement funds tax-free and with tax-free distributions

  • How your Social Security could potentially be taxed

During this complementary educational course you will: 

  • Learn important RULES that affect WHEN and HOW you file for benefits. 

  • Learn OPTIONS that may MAXIMIZE YOUR BENEFITS

  • Learn HOW you may MINIMIZE TAXES on your Social Security

  • Learn STRATEGIES designed for COORDINATING SOCIAL SECURITY with other retirement income

UNDERSTAND HOW CLAIMING SOCIAL SECURITY AT THE WRONG AGE MAY AFFECT YOUR BENEFITS 

BY UP TO 57%!

As you approach retirement, making decisions about Social Security may be confusing and even overwhelming. Applying for Social Security as soon as you become eligible may not be your best decision, and doing so may permanently affect your benefit

During this educational course you will learn: 

  • How could the decisions of the administration affect my benefits

  • Which rules and regulations must I understand before deciding when to start my benefits?

  • How can I maximize my benefit while minimizing any taxes due?

  • How can I reduce taxation on my Social Security after I start receiving my benefits?

  • What options are available for married couples, according to current Social Security rules? 

  • If I've already filed for benefits, can I make a change? 

  • How will my Social Security income work together with other income sources to help provide a secure retirement?

FOR EDUCATIONAL PURPOSES AND NO PRODUCTS WILL BE SOLD AT THIS EVENT.

AFC offers workshops and classes across the nation. Email us to get information on a workshop or class near you info@associationoffinancialconsultants.org or check us out at www.associationoffinancialconsultants.org

Who Should Attend?

 

If you are near or in retirement this course may provide you with tools to implement in your retirement planning. Whether your question is related to Social Security, taxes before or after retirement, investments or estate planning, our goal is to provide content helpful for you. We believe it will be time well spent.

Association of Financial Consultants (AFC) is an IRS-approved 501(c)(3) non-profit organization. AFC serves as an informational teaching resource for the general public. Association of Financial Consultants (AFC) is an all-volunteer non-compensated Non-Profit. Our mission is simple, offer high-quality education through free educational workshops and classes in a non-selling environment. AFC member fiduciaries and consultants are committed to public service. AFC acts as an educational resource for Americans who want to learn more about planning for their financial future. We offer educational workshops and classes at no cost or obligation to the attendees. This service is provided by AFC member fiduciaries and consultants in a completely non-selling environment. Our members are committed to ongoing education to help Americans educate themselves and understand complex financial topics through simple language and are bound by a Code of Conduct that demands integrity, accountability, and transparency. Our AFC member fiduciaries and consultants are licensed professionals and share a passion for educating individuals within their community. Our members donate their time and knowledge in classroom-style settings.

Investment advisory services provided through Doncaster Financial, Inc.. Insurance products and services offered through Doncaster Insurance & Financial Services, Inc.. Doncaster Financial, Inc. and Doncaster Insurance & Financial Services, Inc. are affiliated entities. All investing involves risks, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful. Guarantees for insurance products are contingent on the claims paying ability of the underwriting insurance company.

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During this workshop Joan Qvigstad will provide the following education about Reverse Mortgage Loans: 

You’ll learn how this loan can help you:

  • Convert a portion of the equity in your home into tax-free* cash to pay your bills and enhance your cash flow during retirement.​

 

  • Pay off your current mortgage (if you have one) provided the borrowing limit is high enough while retaining ownership of your home during the life of the loan.​


According to the U.S. Department of Housing and Urban Development, more than one million households are using an FHA-insured HECM reverse mortgage.

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*This advertisement does not constitute tax advice. Please consult a tax advisor regarding your specific situation.

**Most, but not all, reverse mortgages today are federally insured through the Federal Housing Administration’s Home Equity Conversion Mortgage HECM loan program. This advertisement talks about HECM loans only.

​​If you answer yes to the following questions, you might be a good candidate for the HECM reverse mortgage loan program.

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  • Would you like to remain in your home for as long as possible with no monthly mortgage payments, only paying taxes and insurance (and homeowners association dues, if applicable), and maintaining your home?

 

  • Would you like to potentially have extra cash to spend as you please?

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What are the qualifications for a reverse mortgage loan?

 

  • Borrowers must be 62 years or older

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  • The property must be a primary residence

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  • Eligible properties:  single-family home, 2-4 unit residential dwelling, or FHA-approved condo

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  • Must have adequate home equity or down payment (for a purchase)

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  • The financial assessment applies to ensure borrowers have the ability to pay property taxes, homeowner’s insurance, and any Home Owner Association dues

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