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Ryan Ponsford

2018 CSA Conference

 

Ryan Ponsford

American Advisors Group
Strategic Business Specialist
www.aag.com
rponsford@aag.com

 

Integrating Home Equity into a Financial Solution for Seniors

This session will take an advanced look at tools and strategies senior-serving professionals (advisors, fiduciaries, attorneys, tax professionals, and health care providers) may wish to incorporate into client solutions. With the rapid increase in the senior marketplace and the significance of wealth in home equity, professionals may have a responsibility to understand how housing wealth fits into their clients’ comprehensive plan in order to serve in their best interest. This session will specifically address research and math revealing that the Home Equity Conversion Mortgage is no longer a tool of last resort, but rather a meaningful strategic solution to address retirement needs and risk mitigation for mass affluent families.  

I. Welcome and introductions

II. The Economic Impact of the Boomer Generation
a. Financial data points
b. Primary financial challenges of a generation
c. The opportunity

III. Home Equity as an Asset Class
a. When / How it is considered
b. How is it useful

IV. Ways to access home equity
a. Sell Home
b. Cash out refinance
c. HELOC 
d. HECM
e. HECM for Purchase

V. Overview and common questions regarding Home Equity Conversion Mortgage
a. What it is
b. Qualifications
c. Unique characteristics
d. Ways to Access
e. Tax Implications
f. Availability in Trusts

VI. Strategies using HECM in distribution planning
a. Standby Line of Credit
b. Hedge against Sequence of Returns Risk
c. HECM for Purchase
d. Long Term Care Bridge or Supplement
e. Accelerated Inheritance
f. Roth Conversion
g. Long Term Care Bridge or Supplement
h. Accelerated Inheritance
i. Tax Bracket Management
j. Maximizing the Deferred Deduction
k. Gray Divorce 

VII. Benefits for the Tax Professional, Attorney, Trust Officer, and Financial Advisor to understand 
a. Credibility & competence
b. Impact on estate transition 
c. Estate preservation
d. HECM as a risk management tool
e. Engagement of next generation

Learning Objectives

  1. Understanding the economic impact and financial realities facing our senior generation
  2. Revealing the significance of Home Equity as a core asset class
  3. Strategic Integration of a Home Equity Conversion Mortgage into a comprehensive solution

About Ryan

Ryan Ponsford has been involved in wealth management, real estate, and philanthropy for over two decades.  From designing strategic solutions for families and rapidly growing companies, to founding and expanding Main Street Philanthropy, a non-profit organization, his experience is extensive, yet built upon a repeatable set of principles.  With American Advisors Group, he leads a team specializing in designing solutions and education for professionals serving the retirement marketplace on how to effectively integrate home equity into their clients’ financial strategies.

Ryan graduated from Point Loma Nazarene University with a degree in Industrial-Organizational Psychology and extensive coursework in Chemistry. He is involved in various activities including serving on several boards, singing in a quartet, playing guitar with a band, coaching youth sports teams, and having grown up in Sonoma County, has an affinity for decent wines. He and his wife, Jennifer, live in north San Diego with their three young children. 

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