Reverse mortgages aren’t just for people in need—they can be a smart, strategic tool for homeowners age 62+ who want to:

✔️ Stretch retirement income and preserve investments

✔️ Create tax-free cash flow while staying in their home

✔️ Use home equity to fund Roth IRA conversions without touching savings

✔️ Avoid selling investments in a down market

✔️ Compare strategies like annuities, bonds, and reverse mortgages side by side

This isn’t a sales pitch—it’s a research-backed explainer for retirees, adult children, and financial decision-makers.