The Hidden Asset in Your Retirement Plan with Harlan Accola

When people hear “reverse mortgage,” they often think only about immediate cash needs. But strategic planning can involve much more than that.

Harlan noted that incorporating home equity may create flexibility in several areas, including:

• Timing withdrawals from retirement accounts
• Managing taxable income in retirement
• Deciding when to begin Social Security
• Planning for long-term care needs
• Preserving investment assets longer

These decisions can significantly impact long-term financial outcomes.

What About Leaving an Inheritance?

One common concern is whether using home equity will leave nothing to pass on.

Harlan explained that many families are surprised to learn that this is not always the case. Depending on appreciation, spending patterns, and the overall plan, some home equity may remain. In some scenarios, overall net worth may even improve because other assets were preserved.

Of course, every situation is different, which is why personalized analysis matters.

A Biblical Perspective on Stewardship

Faithful stewardship means wisely managing everything God has entrusted to us—including assets we may be tempted to ignore. A home is more than shelter. It can also be a financial resource that, when handled prudently, helps provide stability, reduce burdens on loved ones, and create greater freedom for generosity.

That does not mean a reverse mortgage is right for everyone. But it does mean it may be worth understanding before dismissing it.

Consider the Whole Picture

Wise planning begins by asking better questions. Instead of assuming home equity should remain untouched, consider whether it has a role in your broader financial strategy.

On Today’s Program, Rob Answers Listener Questions:

• Is there any truth to ‘Sell in May and go away’? When is a good time to sell a winning stock, and should I still add to precious metals at current prices?
• I heard you mention a gold ETF. What is it, and do you recommend one for someone new to investing?
• Our HSA was supposed to transfer to a new bank, but the funds still aren’t available, and my medical bill is increasing. What should we do?
• My dad is retiring with home equity but significant credit card debt. Would a reverse mortgage be a wise way to pay it off?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Movement Mortgage
• Sound Mind Investing (SMI)
• Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor® (CKA)
• FaithFi App