A borrower’s age should shape every financing recommendation, yet it is often treated as a secondary detail when a senior wants, or needs, access to a portion of their equity.

Consider that most mortgage advice is built on the assumptions that the borrower will continue working and has time and resources to recover from financial setbacks. Those assumptions break the moment someone retires. And if the assumptions change, the strategy should too.

For example:

• At age 45, risk is manageable, income is active, time is an asset, and debt can be used strategically. 
• At age 70, the equation shifts. Income is often fixed, details ⇒

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