A Smarter Way to Use Home Equity

Flexible Income Options for Retirement — Without a Reverse Mortgage

Many retirees today are house-rich but cash-poor. You may own your home outright (or close to it), yet still feel pressure from rising costs, healthcare expenses, or uncertainty about long-term care. Adult children often see this coming—and want to help, without creating stress for either generation.

This educational Lunch & Learn brings together three experienced professionals to discuss a new home-equity option for seniors that offers more flexibility than a traditional reverse mortgage—and how it can be used as part of a thoughtful retirement and income plan.

What we’ll discuss:

• A newer loan option designed specifically for seniors that is not a reverse mortgage
• How home equity can be repositioned into lifetime guaranteed income
• Ways this approach can support long-term care planning
• Real estate considerations that allow you to age in place and move only when you’re ready

Featured Speakers:

• John Mallett, Mainstreet Mortgage
• Maryam Rasouli, Perennial Legacy Insurance
• Teri Cotter, Pinnacle State Properties

Together, they’ll walk through how these pieces fit—mortgage options, income planning, and real estate strategy—so you can understand what’s available and decide what makes sense for your situation.

Who should attend:

• Homeowners age 62+ exploring income flexibility in retirement
• Adult children helping aging parents navigate financial decisions
• Families looking for alternatives to reverse mortgages
• Anyone who wants to understand their options before decisions feel urgent

This is an educational event only—no sales pressure. Just clear information, real-life scenarios, and practical options explained in plain language.

Lunch will be provided.