Before We Plan the Road Trip, Let's Talk About the Destination and the Route.

A Prologue: The Two Most Important Questions

When families come to me to talk about a reverse mortgage, I always start with two simple questions that have nothing to do with interest rates or loan terms.

The first, most important question is: "What's the destination?"

The second, equally important question is: "What concerns do you have about the journey?"

Think of it like planning a road trip. Knowing you're headed for the "pot of gold" in Las Vegas is exciting. But are you the type who wants to take the fast, direct interstate, or do you prefer the scenic, comfortable backroads? The best route is the one that feels right to you.

What Does Your "Pot of Gold" Look Like?

In retirement, your "pot of gold" isn't just a casino jackpot; it's a life-changing strategy for the retirement you foresee for yourself.

We're not just talking about your life today. We're talking about the life you see coming in 5, 10, or 20 years. Will it be a retirement of just "getting by," or one of genuine security and freedom? Before we talk about a financial product, I ask families to picture their ideal destination.

What would a significant improvement over the retirement you're anticipating look like for you?

Would it be the certainty that you'll never have a monthly mortgage payment, freeing up your future budget for good?
Would it be the confidence of having a financial safety net for any unexpected health costs that may arise?
Would it be the joy of knowing you'll have the resources to help your grandkids with college down the road?
Would it be the freedom to travel and live your life to the fullest, without the nagging fear of outliving your savings?

Choosing a Route You Can Trust

Once we know the destination, we need to map out the best route. In your financial journey, the "route" is the strategy you use. You want a path that is safe, secure, and free of unexpected detours or hazards.

This is where a reverse mortgage comes in. It's a vehicle designed for a safe and comfortable journey. With its government-insured protections, flexible repayment options, and a built-in "best rate" guarantee, it's like choosing the scenic, well-paved highway instead of a bumpy dirt road.

Let's Plan Your Trip, Together

My job isn't to sell you a car. My job is to be your travel guide—to help you get a crystal-clear vision of your "pot of gold," then to help you map out the safest and most comfortable route to get there.

And I won't just hand you a map and wish you luck. I'll be there with you every step of the way, navigating the process and answering your questions, so that when you finally reach your destination, you can look back with confidence and say, "It was worth the ride."

What's your destination, and how do you want to travel?

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Greg Cook