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Clients often have 50% or more of their wealth tied up in home equity

Clients deserve to enjoy a confident retirement without the fear of running out of money—incorporating home equity as an available asset can add flexibility, confidence, and security. Schedule a Conversation
  • Housing debt often exceeds investable assets. Managing housing debt can benefit overall financial success.
  • Incorporating Home Equity in client's financial plans can help accomplish more than they dreamed of in retirement
  • Work with a partner you can trust to handle your client relationship with the same care as you do

IF WE HAVE NOT MET BEFORE, HELLO!

I'm Clay

For over 20 years, I’ve helped homeowners, investors, and retirees make smart financing decisions—whether it’s buying a first home, refinancing, or using home equity to strengthen a retirement plan. As a CPA with a background in corporate finance, I take a strategic, problem-solving approach to mortgage planning, ensuring that every transaction aligns with my clients’ long-term financial goals.

I’ve also personally experienced the challenges that come with planning for retirement, managing care for loved ones, and making major financial decisions later in life. From helping my grandmother remain independent at 102, to structuring a reverse mortgage loan that gave my aunt financial peace of mind, I’ve seen firsthand how the right financial tools can create security and stability.

That’s why I partner with financial planners like you—to help integrate home equity into retirement strategies. Whether it’s a reverse mortgage loan, conventional financing, or a home equity line of credit, I provide tailored solutions that give your clients more flexibility, financial security, and peace of mind.

My mission? To educate and empower you and your clients, ensuring they understand all their options so they can make informed choices that support their retirement goals.

Let’s start a conversation.

Schedule a Conversation

Education, collaboration, and strategic tools to help financial planners incorporate reverse mortgage loans into their clients’ retirement plans.

  • Enable clients to purchase a home with less cash and no monthly payments.
  • Establish a growing line of credit held in reserve as a financial safety net.
  • Provide liquidity for in-home care, home renovations, or unexpected expenses.
  • Enhance the sustainability of retirement portfolios by reducing the need to draw down investments during market downturns.

There is more…

Every client 62+ purchasing a home in retirement should consider how a Home Equity Conversion Mortgage can enhance their retirement outcome.

Even the most well-prepared homeowner 62+ can increase confidence and flexibility in retirement by incorporating a Home Equity Conversion Mortgage into their plan.

Schedule a Conversation

What Our Clients Have to Say

"I can highly recommend Clay to assist in negotiating a reverse mortgage or other financial transactions. He is also a highly qualified CPA., although, his main business is reverse mortgages. Clay has an exhaustive knowledge and is meticulous with his calculations regarding this complicated subject. We have worked together for 10 years, he is honest, punctual and he continually stays in touch. Don't hesitate to put your very important financial interests in his and his team's hands."

—Peter L., August 26, 2023

Partner with Clay as your
"go to" mortgage advisor resource

  • *Partner with a guide who brings an extensive financial background, including CPA credentials and expertise as a Certified Reverse Mortgage Professional (CRMP).
  • *Explore options that align with your client’s tax, cash flow, and overall financial strategy to make real estate financing a valuable part of their plan.
  • *Helping clients safely access home equity through a reverse mortgage loan provides confidence and flexibility to plan for life’s future bumps in the road.

What We Offer

  • Reverse Mortgage Loans
    Home Equity Conversion Mortgage (HECM) and Home Safe jumbo mortgages up to $4 million. Access home equity wisely and improve retirement outcomes.
  • Equity Lines
    An equity line can help consolidate debt, get that remodeling project done or while adding flexibility and retaining that low rate mortgage client got a few years ago
  • Refinancing
    Strategic perspective in advising refinance options that help clients achieve short and long term goals for their family.
  • Conventional Mortgage
    Conforming, Jumbo, VA, FHA, USDA, and Renovation Loans. Strategies for financing a home or investment property purchase, First Time Homebuyers and those working towards their forever home.

DOWNLOAD YOUR FREE GUIDE:

Four Awesome Ways Financial Advisors can Help Clients Improve Retirement Outcomes

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  • Schedule a conversation
    Share a client scenario or discuss general strategies to see how reverse mortgage loans can fit into your financial planning toolbox.
  • Collaborate
    Receive tailored insights and examples based on your client’s unique needs, showing how incorporating housing wealth as an asset can enhance their plan.
  • Empower Your Clients
    Present actionable strategies that increase financial flexibility and confidence, supported by our ongoing guidance and resources.

Top 3 things you need to know about partnering with me

  • I respect your client relationship and how valuable that is.
  • If there is a way to get a deal done, I will find it.
  • I do not cherry pick clients and enjoy the chase finding solutions to unique or complicated scenarios. I find joy in making things happen for a family.
Schedule a Conversation

Discover how the H4P (Home Equity Conversion Mortgage for Purchase) can boost your real estate business while providing exceptional value to your senior clients.

Please provide the following details, and you will receive a direct link to the webinar recording:

*You can be 100% sure we will never ever sell your contact information.