Enjoy A New Option for Retirement

As far as a strategy for estate planning is concerned, all pre-tax retirement plans and traditional IRAs require a minimum annual distribution after reaching the age of 70 and a half. Most take that distribution and simply put it into a savings account. Other options can be to take the cash and invest post-tax, to contribute to long-term care protection, or to leave a legacy. What type of legacy would you like to leave? You could gift money to your children/grandchildren, set up an endowment for charity, or protect the assets in a trust. There are countless options and strategies to create the legacy you choose.

6. WORKING WITH A FINANCIAL ADVISOR WHO PUTS YOUR BEST INTERESTS FIRST

Post-retirement living is very different, so take the time to explore your options well in advance of your retirement age. We encourage you to sit down with an unbiased, independent financial advisor that puts your best interests first and helps you compose a written personalized and holistic financial strategy with the goals of protecting your retirement investments and securing the next chapter of your financial future.

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SPIC). Neither Voya Financial Advisors nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation. Tundidor & Weiss is not a subsidiary of nor controlled by Voya Financial Advisors. 37310919_IAR_102D

The Traditional Options:

• Pay cash for your new home and reduce your retirement liquidity

• Use traditional financing and increase your monthly expenses

A New Option:

The HECM for Purchase Program

• Bring a one-time down payment of 40-60%

• Never make a monthly mortgage payment

For more information on how to buy your dream retirement home with the HECM for Purchase Program, please contact us:

Ron Heath | NMLS: 450503

HECM for Purchase Specialist

Phone (919) 412-0686 rheath@mutualmortgage.com

5580 Centerview Dr., Suite 115, Raleigh, NC 27606

Ken Updegrave | NMLS: 109435

HECM for Purchase Specialist

Phone (919) 567-1004 kupdegrave@mutualmortgage.com

5580 Centerview Dr., Suite 115, Raleigh, NC 27606