Timing is Everything… Especially During Retirement

Mortgage and Lending with EstaR Mortgage NMLS #241125

A lot of discussion about “sequencing of distributions” has been taking place recently in financial planning circles.  “Sequencing of Distributions” looks at the order in which you take distributions from your retirement account.  This matters because the order in which you take distributions has a very significant impact on how long your retirement assets will last. Article Image

Consider the two examples illustrated in the chart.  Column 1 has the same amount of distributions scheduled for the next five years, regardless of how the market performs.  Column 2 changes the distributions in years 2, 3 and 4, based on the performance of the market. 







A reverse mortgage line of credit can be used to supplement your income in the years where you take a reduced distribution from your retirement account.  This could preserve your assets for a longer period of time, and give you more flexibility as the market fluctuates.

Please see a financial advisor for more details on how to evaluate a better distribution sequencing strategy for your situation.  Please contact me for more details on how a reverse mortgage could help. 

NMLS Number: 241125
(510) 463-1003
2413 Webb Avenue, Suite E, 
Alameda, California 94501 
Corporate NMLS Number: 1547521

Comments (4)

Paul Antonelli
Antonelli Realty - Saint Cloud, FL
Broker Owner; Antonelli Realty

Good information. Thanks for sharing on here. 

Apr 16, 2018 06:19 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Chris, have not heard of this, and should check into this further.  Thanks for sharing.

Apr 16, 2018 06:22 AM
Kristin Johnston - REALTOR®
RE/MAX Platinum - Waukesha, WI
Giving Back With Each Home Sold!

Great information.  Thanks for sharing.  Have a successful week ahead!

Apr 16, 2018 06:42 AM
Chris Freck
EstaR Mortgage - Alameda, CA
EstaR Mortgage, A Bilingual Brokerage

MyLender@EstaRmortgage.com or CALL 510-463-1003 for more immediate assistance.

Apr 24, 2018 09:27 AM