Retirement in Reverse

"We find the money!" - Ted

Ted A. Lange, CFP®

About Us

retirement

in reverse

Retirement In Reverse Story


In 2009, I made the decision to purchase a beautiful home in the Aviara section of Carlsbad. Instead of paying cash, the mortgage company introduced me to an innovative financial product known as “Reverse for Purchase”. After careful consideration and analyzing the numbers, it became clear that by my making a 40% down payment I was not obligated to make Principal and interest payments for as long as I resided in the home. This strategy allowed me to keep the remaining 60% of the funds actively working for me in the market, while solely being responsible for Real Estate Taxes and Homeowners insurance. 

 

As a CFP I began my own due diligence of Reverse Mortgage products. I learned the following facts about Reverse Mortgage products:

 

1.They were greatly misunderstood due to how and who were marketing them.
2. Reverse Mortgages are complicated and need to be part of an individual or family’s retirement plan.
3. The Reverse Mortgage Loan Officer must be able to communicate and work with the clients’ other financial advisors.
4. Based on my years of experience in the financial marketplace I firmly believe home equity is a separate “Asset Class” and should be treated accordingly as a valuable asset.

 

As a result of my Due Diligence, I decided to leverage my 30+ years of experience as a CFP in hiring and training competent objective advisors for my financial service companies. 

I decided to start my own company “Retirement in Reverse” to collaborate with Financial Advisors, Insurance Agents, and CPAs to provide Objective, Competent Advice on how to best use their clients Home Equity in their retirement plan recommendations to have a: 

 

“Stress Free” Retirement.

 

Retirement In Reverse has no Conflicts of Interest, we do not engage in the sale of real estate or financial products, nor do we enter any planning engagements. 

 

Our representatives maintain their professional standing with up-to-date CE requirements, ensuring that they provide the highest level of expertise and service.

 

 

We would welcome the opportunity to have discussion.
Respectfully,

Ted A Lange, SR CFP


"The Reverse Mortgage Sean did for me has changed my life. By paying off my first and second mortgage. I now have the financial freedom to enjoy life on my terms. I still own my house and will only having to pay the property tax and insurance. Sean was very helpful on educating me about Reverse Mortgages and taking me through the process . I would not hesitate to recommend Sean to anyone looking into a reverse mortgage."


- Chuck W  | Escondido

Charitable community involvement

Serving Our Seniors

Ted Lange is also passionate about working with the elderly. He believes a mortgage loan officer should be a resource and provide education for our seniors, not just a salesperson. Ted is:



  • Served on the board of directors for Serving Seniors. Their mission is to help seniors in poverty live healthy and fulfilling lives.
Get Started Today

The International Association of Advisors in Philanthropy, nicknamed "AiP” believes in the transformation of philanthropy through collaboration. It is our belief that philanthropic capacity is built through collaborative programs and projects which unite financial advisors, lawyers, accountants, bankers, trust officers, philanthropic advisors, charitable organizations, foundations, donors, and wealth planners in a common goal. The AiP mission is:


  • To inspire and educate advisors, helping them make philanthropic planning with their clients/donors an integral part of their practice
  • To create a unique network of support through collegial relationships among an intentionally diverse spectrum of professionals attracted to membership in our organization
  • To promote the highest ethical standards in philanthropic planning

Professional Memberships

CERTIFIED FINANCIAL PLANNER™ since 1989. Certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.

Who We Are:

The North County Estate Planning Council - San Diego is the preeminent estate planning council in San Diego, drawing the top planners in San Diego, Orange, and Riverside Counties.

Our Meetings:

Our meetings feature timely, relevant, detailed, and cutting edge presentations by top speakers in a collegial atmosphere addressing a broad range of topics from estate and charitable planning, wealth and legacy planning, family business succession planning, business exit planning, and business value enhancement planning, amongst others.

Our Mission:

As member Council of the National Association of Estate Planners & Councils (NAEPC), our Council’s mission is to encourage and cultivate interdisciplinary collaboration, education, and networking between the core professional disciplines (JD, CPA, CLU, CFP®, and Trust Officers) as well as others in this planning arena; and to serve the north San Diego County community by increasing public awareness of the need for competent estate planning.

Our mortgage payment was a big chunk of our budget each month but we wanted to find ways to reduce our expenses. We hear of reverse mortgages but were skeptical. So when our financial advisor suggested we talk to Ted Lange when were impressed. He addressed our concerns, led us through the process, and went to work for us. In fact, several years later Ted contacted us to refinance our loan giving us additional funds. It is great having Ted Lange, as a true professional looking out for you. We could not be happier with the results!

- Bob L. | Carlsbad

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