Widowed But Not Alone

Reverse Mortgages 101 with Will Yoho (Ep. 14)

As your circumstances change, so will your cost of living, and for homeowners age 62 or older, a reverse mortgage may be the tool you need to help you access a greater cash flow. In this episode, we are joined by Will Yoho, Sr. Loan Officer at University Bank and reverse mortgage expert. Will shares with listeners why a reverse mortgage might be an excellent tool, especially after losing a spouse, and how it can help your money outlive you. Todd and Will discuss: * What a reverse mortgage is * The basic requirements to qualify for it * How to find out if a reverse mortgage is a good financial option for you * How a reverse mortgage is different from home equity or a line of credit * Why the stigma around having a reverse mortgage is not always accurate * And more! Resources: * Will Yoho – University Bank [https://www.university-bank.com/reverse/about-reverse/will-yoho/] Connect with Will Yoho: * LinkedIn: Will Yoho [https://www.linkedin.com/in/willyoho/] * Contact: (847) 341- 7672  Connect with Todd Bessey:  * CreidimWealth.com [https://creidimwealth.com/]  * LinkedIn: Todd Bessey [https://www.linkedin.com/in/toddbessey]  * Phone: 224-600-5988  * Email: Todd@CreidimWealth.com [Todd@CreidimWealth.com]  * LinkedIn: Creidim Wealth Partners [https://www.linkedin.com/company/creidim-wealth-partners?trk=public_profile_topcard-current-company]  * Facebook: Creidim Wealth Partners [https://www.facebook.com/Creidim-Wealth-Partners-102907965273382]  About Will:  William Yoho has been assisting homeowners for nearly two decades. As a residential loan officer lending across the country, he has helped with purchases, refinances, and reverse mortgages for single-family homes, condos, and townhomes. He has experience working with clients in every transition of life, from first-time homebuyers to downsizing retirees. Since 2007, Will has specialized in reverse mortgages. A lending program designed to help seniors access the equity in their homes for everyday expenses such as property taxes, medical bills, home repairs, and even caregiving. His professional and compassionate approach enables seniors and their families to find solutions and help for often complex financial and social situations. Seemingly difficult issues such as incompetency, guardianship, trusts, POA, title issues, and end-of-life planning are part of his normal workday.

Buying a Home? Here’s How to Finance The Purchase (Ep. 13)

Deciding to purchase a new home means you’ll need to understand how to finance it. Whether you are buying or selling a home, your financial planner and the right mortgage broker can help analyze your financing options. In this week’s episode, we are joined by Howard Fielder, Senior Mortgage Consultant at Wintrust Mortgage, to talk about how to strategically find ways to finance your next home in this volatile market. Todd and Howard discuss: * How to address some of the biggest challenges with financing the purchase of a home * The different steps in the application process * How to help individuals qualify for a mortgage if they don’t have earned income * The mortgage products available in today’s market * Potential problems in the home financing process and how to avoid them * And more Resources: * Wintrust Mortgage: Howard Fielder [https://www.wintrustmortgage.com/find-originator/mortgage/howard-fiedler.html]  Connect with Howard Fiedler: * LinkedIn: Howard Fiedler [https://www.linkedin.com/in/howard-fiedler-07a7b664/]  * Mobile: 815-245-7353 * Email: hfiedler@wintrustmortgage.com [HFielder@wintrustmortgage.com]  Connect with Todd Bessey:  * CreidimWealth.com [https://creidimwealth.com/]  * LinkedIn: Todd Bessey [https://www.linkedin.com/in/toddbessey]  * Phone: 224-600-5988  * Email: Todd@CreidimWealth.com [Todd@CreidimWealth.com]  * LinkedIn: Creidim Wealth Partners [https://www.linkedin.com/company/creidim-wealth-partners?trk=public_profile_topcard-current-company]  * Facebook: Creidim Wealth Partners [https://www.facebook.com/Creidim-Wealth-Partners-102907965273382]  About our Guest:  As a Senior Mortgage Consultant at Wintrust Mortgage, Howard Fielder has over 28 years of experience in originating mortgages for clients in the northwest suburbs of Chicago. His business is based on treating everyone who contacts him with the best possible consulting, service, cost structure, and rates. Wintrust Mortgage is a mortgage banker that works with several different banks and lenders. We offer competitive pricing and a wide variety of mortgage products for the first-time homebuyer to the seasoned veteran, as well as the technology and support staff to ease you through the process.

Should I Stay or Should I Move? (Ep.12)

Often one of the big decisions facing a widowed person is whether to move or stay in their current home.  Working with a financial planner and an experienced real estate advisor is the logical next step. In this episode, Dawn Bremer of Keller Williams Success Realty shares her expertise in helping widowed clients assess the value of their home, what to consider in this market, and the process she uses to guide clients through the next steps.  Dawn discusses: * The educational process she takes her widowed clients through * How she assesses clients needs and considers their financial situation * The evaluation process for purchasing a home as a widow and what it entails  * The factors to consider when deciding between buying, selling, or renting  * And so much more Resources:  * Keller Williams Success Realty [https://dawnbremer.valuedagent.com/] Connect with Dawn Bremer: * Phone: 847-456-6334 * Email: bremerteam18@gmail.com [bremerteam18@gmail.com]  Connect with Todd Bessey: * CreidimWealth.com [https://creidimwealth.com/]  * LinkedIn: Todd Bessey [https://www.linkedin.com/in/toddbessey]  * Phone: 224-600-5988  * Email: Todd@CreidimWealth.com [Todd@CreidimWealth.com]  * LinkedIn: Creidim Wealth Partners [https://www.linkedin.com/company/creidim-wealth-partners?trk=public_profile_topcard-current-company]  * Facebook: Creidim Wealth Partners [https://www.facebook.com/Creidim-Wealth-Partners-102907965273382]   About our Guest:  Dawn Bremer leads the team at Keller Williams Success Realty as a real estate broker. She has over 20 years of experience in guiding her clients through the home buying and selling process. Along with her dedication to serving client needs, she has also been very active in the community. She has volunteered with many nonprofits, including the United Way and Food for Thought. She also serves as President of Kids In Need. Dawn holds leadership positions such as President of her local school board and Commissioner of planning and zoning in the city of McHenry, Illinois.

Protecting Yourself and Your Assets (Ep. 11)

An insurance specialist is one among a group of professionals a widow reaches out to for financial guidance after the passing of a spouse. Choosing an insurance specialist that takes all your insurance coverage needs into consideration during this time is critical. In this episode, Todd Bessey has David Albanese, an independent insurance agent with Neis Insurance for 13 years, on the podcast to share some of the top considerations when it comes to insurance planning, and more. Todd and David discuss:  * What Property and Casualty insurance is and the types of coverage that most people might need * Examples of items not typically covered and how to include them in your policy * Service line coverage and how it can benefit you * Ways to save on your auto insurance premiums * And more Connect with Todd Bessey:  * Creidim Wealth Partners [https://creidimwealthpartners.com/]  * LinkedIn: Todd Bessey [https://www.linkedin.com/in/toddbessey]  * Phone: 224-600-5988  * Email: Todd@CreidimWealth.com [Todd@CreidimWealth.com]  * LinkedIn: Creidim Wealth Partners [https://www.linkedin.com/company/creidim-wealth-partners?trk=public_profile_topcard-current-company]  * Facebook: Creidim Wealth Partners [https://www.facebook.com/Creidim-Wealth-Partners-102907965273382]  Connect with David Albanese: * Email David Albanese [david@neisinsurance.com] * Neis Insurance Agency [https://www.neisinsurance.com/] About our Guest:  David Albanese has been an independent insurance agent with Neis Insurance for 13 years.  He specializes in the areas of auto, home, and health insurance.  When working with clients, Dave likes to take a consultative approach, explaining the cost and benefits of the various coverage levels.  In his free time, he’s a bit of a sports fan and loves traveling to visit his 13 nieces and nephews.

Best Ways to Handle Scary Financial Markets (Ep 10)

We are continuously waking up to conversations about conflict overseas, post-pandemic life, higher inflation, rising interest rates, and a declining stock market.  So, what actions should you take to protect your financial situation in uncertain times? In this episode, Todd Bessey is joined by Samantha Glaz of First Trust Portfolios to help address these issues. Sam provides some thoughts on navigating the financial market during tough times and the importance of playing the long game when it comes to your financial success.  Samantha discusses:  * The difference between a bull and bear market * How our current economic situation compares to previous economic difficulties * Mistakes investors might make in a volatile market * How to best position yourself for financial success * And more Connect with Todd Bessey:  * CreidimWealth.com [https://creidimwealth.com/]  * LinkedIn: Todd Bessey [https://www.linkedin.com/in/toddbessey]  * Phone: 224-600-5988  * Email: Todd@CreidimWealth.com [Todd@CreidimWealth.com]  * LinkedIn: Creidim Wealth Partners [https://www.linkedin.com/company/creidim-wealth-partners?trk=public_profile_topcard-current-company]  * Facebook: Creidim Wealth Partners [https://www.facebook.com/Creidim-Wealth-Partners-102907965273382]  Connect with Samantha Glaz: * First Trust [https://www.linkedin.com/company/first-trust/] About our Samantha Glaz:  Samantha Glaz is a Vice President with First Trust Portfolios in Wheaton, Illinois, Her focus is on providing financial advisors with industry-leading economic and market commentary, portfolio analysis and practice management consulting. Samantha has fifteen years of financial services experience, having worked for JPMorgan and Guggenheim prior to joining First Trust in 2014. Samantha graduated with academic honors from the business school at the University of Illinois in Champaign-Urbana.