The Perpetual Retirement Stress Test
See exactly how many years of portfolio longevity your HNW client gains (or loses) when you turn idle home equity into a tax‑free buffer during the 2026‑2028 market volatility window.
Sequence‑of‑Returns Risk
A 20% market dip in the first 3 retirement years erodes 30‑40% of terminal wealth.
High‑End Housing Demand Destruction
Days‑on‑market for $2M+ homes have tripled in Seattle, Scottsdale, San Francisco, and Miami since 2025. Prices are down 6‑14% YoY.
Liquidity Gap
Home equity sits idle. Without a buffer, clients must sell stocks at a loss or sell the house in a distressed market.
Watch a 3‑minute walkthrough of the Perpetual Retirement model. See how a $2.5 M home and a $1.6 M portfolio
behave with and without the housing wealth buffer.
What they say
Sarah L
Registered Investment Advisor
“The housing wealth buffer‑asset model gave me a concrete answer for a $4M‑home client who was terrified about market volatility. The report sealed the deal.”
Michael K.
Senior Financial Advisor
“I thought reverse mortgages were a last‑resort product. This stress‑test turned it into a strategic liquidity tool.”
Faq
It’s a decoupling framework that turns a client’s primary residence into a tax‑free liquidity buffer, allowing the investment portfolio to remain fully invested during market downturns.
No. You are simply receiving a stress‑test report. The actual reverse mortgage is arranged by a licensed specialist (you can refer them to us).
We run the numbers in under 3 minutes and email the PDF within 24 hours.
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