Jim is a trusted local Reverse Mortgage Advisor with over 25 years of financial experience, meeting client's needs face to face with a proven track record of providing seniors with answers. A demonstrated ability to enhance the lifestyle of retiree's through responsible use of a (HECM) "Home Equity Conversion Mortgage" more widely known as a reverse mortgage, as a retirement income planning strategy. Many of the leading financial planners are now embracing the use of this new reverse mortgage much earlier in the retirement strategy in order to "protect" ones retirement portfolio. It's no longer used as an option of last resort, but best incorporated early into the retirement strategy as a portfolio protection tool.