As the HECM (Home Equity Conversion Mortgage) program has evolved in a very positive way through legislation, regulation and implementation, it has met with a flood of enthusiastic acceptance and creative applications by the financial planning community. In the right circumstances, use of a HECM can certainly relieve financial stress. That remains as a benefit. Even more so as the protective measures have been enacted. But more common today is the integration of housing wealth into the big retirement picture. That’s where the financial services community is concentrating. After all, for most Americans in or nearing retirement, home equity is by far their greatest asset. Leaving that out of the picture distorts the picture! Including it opens great possibilities. This week we look at ideas in use that you are probably not aware of. What a positive effect these strategies can have! Please take a moment to see a few applications here.