About
Learn more about Kent and The Reverse Advisor's guiding principles, mission, resources, and clients.
Meet Kent Kopen
Kent Kopen brings a wealth of professional experience to his clients. Previously securities licensed as financial advisor with Merrill Lynch and Morgan Stanley, Kent Kopen also has a deep background in real estate, finance, and construction project management. Kent has over two decades of mortgage experience as a loan officer and executive leader.
Kent earned an MBA from the University of Southern California (USC), where he graduated with honors. He also earned an Architectural Engineering degree from the University of Colorado. Kent is a founding member and current academic advisor for the National Institute of Financial Education, a 501(c)(3) non-profit organization, founded in 2007, which focuses on financial literacy.
Kent also has all required active licenses, and additional credentials, to provide professional residential real estate and mortgage loan brokerage services. To learn more, and to read recommendations and skills endorsements, see LinkedIn/kentkopen.
The Reverse Advisor
The Reverse Advisor is an educational resource for seniors on strategies, challenges, and benefits of using a reverse mortgage. Today's reverse mortgage, also known as a Home Equity Conversion Mortgage, or HECM, can be used as a wealth management tool to eliminate monthly payments and access tax-free cash.
Ongoing and recent changes by HUD to the FHA-insured reverse mortgage program enhance its long-term stability and suitability as a solution to one of America's biggest demographic challenges: bridging the gap between longer lifespans and insufficient retirement savings. Recent legal safeguards, including financial assessment and non-borrowing spouse rules, are designed to protect senior homeowners, spouses, and their heirs.
Mission
Our mission is to educate, guide, and connect with senior homeowners who seek a safe, reliable way to access some of the wealth stored in their home to improve cash flow and provide a financial cushion. We help homeowners and home buyers age 62+ realize their dreams in less time, at less cost, with less drama.
Resources
Our YouTube channel features videos we've created on many topics of interest to homeowners and financial professionals including our 6-step unique process, why we're passionate about helping seniors, reverse mortgage myths, how reverse mortgages work, and the process of getting a HECM. Follow us on Twitter for current information regarding seniors and real estate finance.
We have long been committed to helping Certified Financial Planners®, CPAs, and estate planning attorneys understand and implement home-equity-based retirement strategies. We formally began this outreach in 2007, at the University of California, with guest lectures to graduate students studying for the CFP® exam.
Clients
We serve homeowners who are age 62+ and who have considerable equity in their homes. Most of our clients are introduced to us by financial services professionals, trust attorneys, real estate agents, and homeowners we've helped in the past. We frequently began relationships by talking with the adult child of a retired person because some seniors are not comfortable on the Internet.
The benefit of working with a Certified Reverse Mortgage Professional, a designation we are proud to have earned, is that we subscribe to a strict code of conduct and we are trained to help find financial solutions when retirees need more income, reserves, or help mitigating a capital gains tax liability.
If you'd like a free, no obligation conversation, with a Certified Reverse Mortgage Professional, about your specific situation, or your parent's, Contact Us.
Our Guiding Principles
The following principles represent the commitment we make to each client we are given an opportunity to serve:
| Without exception, we will ask questions and listen to our clients in order to fully understand their needs, goals, and concerns. | |
| Come from a place of empathy. We are sensitive to the fears and confusion that surround reverse mortgages. |
