FINANCIAL ADVISORS-Is "Waiting until 62" the most expensive advice you’re giving?

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 Most planners view age 62 as the "starting line" for housing wealth. But for a 55-year-old Gen Xer in Colorado, that 7-year delay is a massive opportunity cost.

 "Under the SHAP (Senior Homeowners Advantage Plan) framework, we use the 55–61 window to lay the foundation for the entire retirement.

By pivoting to a proprietary sleeve at 55:

1. We stop the 'Lifestyle Leak': Those 84 monthly mortgage payments don't go to a bank; they go into your managed AUM.

2. We build the 'Self-Healing' Bridge: We allow 7 years of Colorado appreciation to offset the initial pivot before the client even stops working.

3. The 62 Pivot: When the client finally reaches HECM eligibility, they aren't 'starting' a plan. They are transitioning a mature, high-value asset into a permanent hedge against volatility.

You wouldn't advise a client to wait 7 years to start their 401 (k). Why ask them to wait 7 years to mobilize their largest asset?"

"I understand. Most people think 62 is the start date. But under the SHAP framework, we use the 55–61 window as the 'Recapitalization Sprint.' It’s about building the AUM foundation today, so the 62 transition is a move of strength, not a move of need. Would you be open to seeing the 7-year delta on a typical $1M portfolio?"