HECM fact sheet

A reverse mortgage is really just another financial tool to increase retirement income, decrease retirement expenses, or even both. plynty recommends the Home Equity Conversion Mortgage (HECM), which allows borrowers to convert the equity in their homes into a monthly stream of income or a line of credit.

retirement tips from a professional in HR

Barbara shares: “I know it’s hard for people in their 20s and 30s to think about retirement, but if you do have an employer with retirement programs, take the time to learn about how they could benefit you in the future.”

simple, stable - yes, that’s a SPIA

In an era where people are saving less and living longer, more and more financial experts are recognizing the need to supplement Social Security with an additional amount of predictable income. The ultimate goal?

you say guarantee, we say annuity

When thinking about retirement, running out of money is one of the top concerns for most people. You can run out of money because you spend too much, too soon. Or you can live “too long” — or at least longer than planned. So, is there any way to possibly guarantee that you’ll have enough money to last throughout your retirement?

the plynty recipe for retirement planning

Creating a retirement plan is like trying a new recipe – with proper ingredient preparation and by following the directions, there’s a good chance you’ll create something that will make you proud. Of course, once you start cooking and gain confidence and experience, you often discover modifications that make a recipe a better fit for you.

finding balance with lifelong cashflow

You intuitively understand the basics of cashflow and how it works in your daily life. Wouldn’t it be nice if you could apply this to financial planning for your future? Well, you actually can, and we call it lifelong cashflow.

introductions are in order

Dennis had a big idea: provide lifelong financial planning to those who usually don’t have access to good advice. He spent many years as a business strategy and marketing executive for several large banks, and for far too long he witnessed how regular people were underserved by the financial industry.

we see money differently

“There seems to be some perverse human characteristic that likes to make easy things difficult.” - Warren Buffett

Welcome to the plynty blog! This is where we’ll explain how we see money differently, and what that can mean for your retirement planning (hint: it’s much easier than you think!).