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fall colors are Here. time to aDD more green to your retirement plan! i t's a beautiful time of the year in Santa Cruz. Warm afternoons and cool nights bring an energy to the air that reminds us that winter rains and colder weather are on the way, but not just yet! There is time to stack the wood pile, clean out the gutters and get the gardens set for cold weather but all that can be on hold for one more trip to the beach for sunset. Like the yearly seasons, there is a timing to our lives as we move from youth to maturity and on to becoming grandparents and the "Elders". Those of us in our seventies and eighties have had quite an adventure and hopefully are ready for the calmer pace of retirement, but still with lots of fun times on the calendar ahead. Finances seem to take center stage as the reality of cost of living confront us and we take stock of what we have and what we need! The current "Low Interest Rate Environment" has given us an opportunity to use the financial tool of a Reverse Mortgage to make up for any shortfall in your plan. Now is definitely the time to take advantage of these low rates and use the built up equity in our homes to make a more financially secure future. You've made all those mortgage payments for all those years and your home has been your silent partner in your wealth building by accumulating appreciation. If you take an honest look at your monthly expenses and your retirement saving and you feel uncomfortable about affording your current lifestyle, TAKE ACTION NOW while opportunity is at hand. These current low rates are an opportunity for the highest amount of financial help and security that a Reverse Mortgage can bring. You will always own your home and your home will still appreciate for you, over time, with a Reverse mortgage. The most common misunderstanding about a Reverse mortgage is the bank will own your home and there will be nothing left for the kids. This is simply not the way it works and with something as important as your personal comfort and financial wellbeing it is best to get the facts about how to make the most out of the time we have. Is there something that would change your life for the better or make life easier? Is there an opportunity that you see but it seems just a bit out of reach? Please get the facts to make an informed decision about your future. It's that time of year and planning is the key, knowledge is the power. Donald Dimitruk is a Registered Financial Consultant® and a Registered Mortgage Advisor and is available for a free consultation about how a reverse mortgage may bennifit you at 831- 464-6464. by Donald Dimitruk, RFC®, RMA Donald Dimitruk• 831-464-6464 Call for information and a quote! Questions answered on the phone. FREE - No obligation - JUST ANSWERS! Clear explanations of exactly how a Reverse Mortgage can work for you! Celebrating Serving Santa Cruz for 41 years! Donald Dimitruk YOU CAN SHARE THE DREAM Established in 1978. Is your blood pressure High because your retirement plan is Low? It's time for a Financial Check Up! Access your Home Equity with a REVERSE MORTGAGE Increase your Retirement Income No Payments for Life! Registered Financial Consultant® Registered Mortgage Advisor California Life Agent #Of20144 BRE#10902537 NMLS#232493 Professional Mortgage Associates • •••• • •••• --