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Alfano R: Reverse Mortgages

Reverse Mortgages

Using Your Home Equity to Create a Better Retirement

Retirement isn't the end of the road. It's a great escape.

For many Australians, retirement is seen as something to cautiously manage. But what if it could be a bold new chapter created on your terms?

In Retirement: The Great Escape Plan, award-winning financial adviser Jenny Brown challenges outdated ideas of retirement and offers a practical, reassuring roadmap for creating a life that is rich in every sense of the word. Drawing on decades of experience and real stories from clients who have made their own great escape, Jenny explores the emotional, lifestyle and financial realities of leaving work and stepping boldly into what comes next.

In four easy-to-follow parts, Jenny helps you take stock of where you are now, define what freedom looks like to you, and turn long-held dreams into achievable plans. You'll learn how to calculate your personal 'financial freedom number', design a lifestyle aligned with your values, navigate the shift away from work, and make the most of your time, health and independence. This practical book is not about slowing down. It's about living well with clarity, confidence and purpose. 

Whether retirement is on the horizon, already underway, or a long way off, Retirement: The Great Escape Plan will help you approach this new phase of life with optimism and control.

Because thriving should be fun, and naps should be epic

Retirement, The Great Escape Plan

The Life Strategy Series

Most people spend thirty-five years honoring a deal that was never fully real. Work hard. Stay loyal. Build your career. Save consistently. And at the end - retire, rest, and enjoy the life you deferred.

The problem is the deal has changed. The retirement model is broken. The financial math no longer works the way it was promised. And the version of you that can actually live the life you imagined - the one with functional knees, sharp curiosity, and the appetite for something genuinely new - will not wait until sixty-five.

The Golden Gap is not a vacation. It is not early retirement. It is not a gap year borrowed from someone else's life stage.
It is the moment you stop making the responsible choice at the expense of the irreplaceable one.

The Golden Gap is the deliberately designed period of reset, exploration, and reinvention taken at the specific moment when health, wealth, and time align. That window falls, for most people, between fifty and sixty-five. It may be open right now. It is almost certainly narrowing.

This book is the comprehensive guide to using it.

Written from inside the experience - not from the comfortable distance of having already arrived at the ending - The Golden Gap covers the full architecture of stepping away from the grind on your own terms. The financial reality: two people have documented living a slow-travel life across four continents and nineteen countries for an average of $28,000 per year. The psychological journey: who you are when the title is gone, how the identity transition works, and what the curiosity the career suppressed has been waiting to do. The practical framework: slow travel as both a philosophy and a financial strategy, the base camp model, and the weekly architecture that gives the gap structure without recreating the schedule you left behind. And the preparation: a comprehensive three-chapter timeline covering everything from the home decision to the health sprint to what the first week will actually feel like.

Six types of gap-taker are recognized throughout - from the person whose company made the decision for them to the person who has been planning this for years. You will recognize yourself in at least one of them.

The Northern Lights are still there. The stairs are still climbable. The window is open.

Now go.

Reclaim, Reset, and Reposition Your Life After 50

The Golden Gap

Sie möchten Ihre Zeit unbeschwert genießen, ohne Einschränkungen neue Orte und Menschen kennenlernen und aktiv sein, ohne auf Komfort zu verzichten? Im wunderschönen Schwarzwald können Sie entspannte Ausflüge erleben, die abseits des Trubels Erholung und Freizeitvergnügen garantieren. Entdecken Sie die lebhafte Kultur, idyllische Natur, nostalgische Plätze und gemütliche Gasthöfe und unternehmen Sie leichte Touren zu Fuß. Ob alleine, als Paar, in der Gruppe oder mit den Enkeln - der Schwarzwald bietet unvergessliche Momente, die Körper und Geist beflügeln.

Sie möchten Ihre Zeit unbeschwert genießen, ohne Einschränkungen neue Orte und Menschen kennenlernen und aktiv sein, ohne auf Komfort zu verzichten? Im wunderschönen Schwarzwald können Sie entspannte Ausflüge erleben, die abseits des Trubels Erholung und Freizeitvergnügen garantieren. Entdecken Sie die lebhafte Kultur, idyllische Natur, nostalgische Plätze und gemütliche Gasthöfe und unternehmen Sie leichte Touren zu Fuß. Ob alleine, als Paar, in der Gruppe oder mit den Enkeln - der Schwarzwald bietet unvergessliche Momente, die Körper und Geist beflügeln.

Aktual. Neuausgabe 2026

Lieblingsplätze für Senioren - Schwarzwald

Discover what it means to live wealthy in all areas of your life.
In Live Wealthy, Retire Happy, Cora bravely shares her story as a powerful guide to building a life of true abundance. As she shares the raw, real experiences of adversity and shows how even the most difficult beginnings can become the foundation for a life of meaning, purpose and prosperity, you will:find that sweet trifecta of perfectly balanced and harmonised time, health and financial freedom
learn how to make smart money moves, cultivate lasting wealth, nurture good health and well-being and build meaningful relationships 
design and rise into a vibrant retirement, where dreams are fulfilled and life is satisfying, joyful, purposeful and intentional rather than obligatory 
weave into the sacred principles of unwavering faith, gratitude, trust, divine timing, peace and spiritual surrender


This book is written for anyone who has felt the sting of scarcity and hopelessness, overlooked or disadvantaged by poverty. With practical strategies, mindset shifts and real-life insights, Cora shows you how to live wealthy - beyond your bank account!

Embracing Human Experiences to Live a Life of Abundance

Live Wealthy Retire Happy

Plan and Invest with 401k, IRA, and Social Security

Retire Without a Pension

Why Retirement Plans Break Down and How to Stay in Control

The Market Ride You Didn't Know You Sign Up For

What If the Biggest Paycheck of Your Retirement Is About to Be Cut in Half... By a Decision You Haven't Even Made Yet?

How 96% of retirees walk away from $111,000 (or more) - and the simple framework the other 4% use to keep every single dollar.

You've worked 35+ years. You've paid into Social Security every paycheck. And now, somewhere between 55 and 70, you're staring at a decision that feels impossible to get right.

Claim at 62 and lock in a smaller check forever? Wait until 70 and risk dying before you collect a dime? Split the difference at 66 because that's what your neighbor did?

Here's what nobody tells you: a United Income study found that only 4% of retirees claim at the financially optimal age. The other 96% leave a median of $111,000 per household on the table. For higher earners, it's often double.

That money isn't lost to taxes. Not to fees. Not to fraud. It's simply... not collected.

And with the TCJA tax sunset hitting at the end of 2025 and the Trust Fund projected to deplete around 2033, your window to fix this is shrinking by the month.

In this book, you'll discover:
The exact 7-Step Framework the top 4% use to claim optimally - whether you're single, married, divorced, or widowed
The Green-Yellow-Red Light System that tells you in 60 seconds if you're ready to file... or about to make a six-figure mistake
Why claiming at 62 with a working spouse almost always fails the math test (and the one exception nobody talks about)
The "Tax Torpedo" quietly taxing 85% of your benefits - and the Roth conversion trick that defuses it before 2026
How one couple gained $384,480 over 20 years by changing just one variable in their filing order
The Medicare IRMAA two-year lookback most retirees discover too late (and how to dodge it)
The 30-minute action step that puts you ahead of 96% of retirees this week
And much, much more...



You don't need to be a CPA. You don't need to memorize the tax code. Every number inside is built on updated SSA data, the 2024 Trustees Report, and peer-reviewed research - not internet rumors.

Even if you've put this off for two years... even if it feels "too complicated"... even if you've already filed - the worksheets and case studies inside make the next move plain.

If you want to be in the 4% who actually keep their money then you need this book today

Your Step-by-Step Plan to Maximize Benefits, Reduce Taxes, Navigate Medicare, and Avoid the Mistakes That Cost Retirees Thousands

The Social Security Blueprint

Tired of watching your money slip away to Uncle Sam? Everyone despises taxes for a reason: they drain your income and limit your financial freedom. Discover the solution in I Hate Taxes and keep more cash in your pocket. You should pay your fair share in taxes-but not a penny more. It's time to end excessive tax payments and say hello to financial freedom. Within this book, you'll learn:Proven tax-saving strategies that put money back in your hands.
How to legally navigate the tax code to your advantage.
The tax-planning secrets financial planners won't share.
The power of paying your fair share while maximizing your savings.
How to make your life savings work for you, not the government. 


This book empowers you to take control and save thousands of dollars over your lifetime. End Uncle Sam's grip on your wallet, and welcome in a brighter future. The power to keep your money is in your hands-are you ready to make it happen?

Lower Your Taxes, Own Your Retirement

I Hate Taxes

Alt zu werden und dabei innerlich jung zu bleiben, das ist das Geheiminis. Davon erzählen Ephraim Kishon, Hanns Dieter Hüsch, Axel Hacke u.a. in diesem kleinen Ratgeber. Mit Verve und Witz gehen sie den Alterswehwehchen sowie den versteckten Vorzügen des Rentnerdaseins auf den Grund.
Autoren:
Ephraim Kishon
Hanns Dieter Hüsch
Axel Hacke
Wilhelm Busch
Friedrich Rückert
Gotthold Ephraim Lessing
Heinrich Hoffmann von Fallersleben
Johann Gottfried Herder 
u.a.

¿ kurzweilige Geschichten zum Lachen
¿ prominente Autorinnen und Autoren wie u.a. Ephraim Kishon, Hanns Dieter Hüsch, Wilhelm Busch
¿ witzige Illustrationen
¿ in großer Schrift

Alt zu werden und dabei innerlich jung zu bleiben, das ist das Geheiminis. Davon erzählen Ephraim Kishon, Hanns Dieter Hüsch, Axel Hacke u.a. in diesem kleinen Ratgeber. Mit Verve und Witz gehen sie den Alterswehwehchen sowie den versteckten Vorzügen des Rentnerdaseins auf den Grund.
Autoren:
Ephraim Kishon
Hanns Dieter Hüsch
Axel Hacke
Wilhelm Busch
Friedrich Rückert
Gotthold Ephraim Lessing
Heinrich Hoffmann von Fallersleben
Johann Gottfried Herder 
u.a.

• kurzweilige Geschichten zum Lachen
• prominente Autorinnen und Autoren wie u.a. Ephraim Kishon, Hanns Dieter Hüsch, Wilhelm Busch
• witzige Illustrationen
• in großer Schrift

Heitere Geschichten

Du bist wie guter Wein – je älter, desto besser

Only 2% of Americans have both pensions and $1 million or more saved for retirement. If that is you, welcome to the 2% Club! This book was written for you. It's dedicated to all the American heroes who've lived a life of service, and the blue-collar professionals who've worked hard and saved diligently for decades. In this book, you'll learn how to:Simplify and optimize your retirement with the "5 Pillars of Pension Planning"
Enjoy the full value of your pension (it may be more valuable than you think)
Decrease your tax bill through strategic Roth conversions and smart withdrawal planning
Plan for pension options such as lump sum options and survivorship options
Optimize Social Security and protect your wealth from Medicare premium increases
Enjoy your retirement and spend more money (many in the 2% Club struggle with spending money)
Create a legacy that benefits your family and favorite charities


Having a pension puts you in a rare financial position that requires advanced planning. This book will help you become a better steward of what you worked so hard to build. You've already done the heavy lifting. Now is your time to retire with peace, purpose, and a plan.

Only 2% of the Population Have Pensions and $1M+ Saved

The 2% Club

Decoding the Hidden Architecture of Target-Date Funds

The Retirement Black Box

Are you on track for the retirement you've always imagined? 
Or, like many Australians, do you feel lost? Most assume their industry fund bank or financial advisor will take care of everything. But the confronting truth is, no one cares more about your money than you do. 
If you feel unsure about how much you need to retire, overwhelmed by conflicting advice, or confused by superannuation and investments, this book gives you clarity, confidence, and control. 
This is not another generic money book. It's a practical, no-nonsense guide to building wealth in Australia - without relying blindly on advisers or institutions. 
What you'll discover: How to build a financial plan that works for you 
What to ask your financial adviser (and what they don't tell you) 
How much you really need to retire - without guesswork 
Making superannuation work harder for you 
Alternative assets: real estate, crypto, and beyond 
Insurance strategies to protect your wealth and your family 
Six real-life case studies from everyday Australians like you 


Whether you're in your 30s building wealth, in your 40s planning your financial future or 60 and approaching retirement, this book is your roadmap to making informed and confident financial decisions. 
Stop outsourcing your future and start owning it. 
About the Author 
Adem Becirevic is a qualified FCPA and founder of Spectrum Financial and Virtual Financial Advice. With over 20 years of experience in tax, accounting, and financial planning, he specialises in boutique investments beyond banks and industry funds. Adem's mission is to make financial advice accessible to all Australians, helping everyday people achieve financial freedom and certainty.

How to take control and build wealth on your terms

Sack your Financial Adviser

Reverse Mortgages

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