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September/October 2026
Home Equity as a Strategic Planning Tool
Instead of treating home equity as something that matters only at sale or at death, some investors are exploring ways to unlock just enough value to give their retirement strategy more flexibility and resilience.
Long-term Care
You might access a portion of your equity to create liquidity for long-term care for an aging parent, yourself, or your spouse. Tapping your equity can provide the liquidity needed to cover those costs without sacrificing your monthly retirement income.A Buffer
Home equity can serve as a buffer during market fluctuations. By accessing your home equity, you can avoid selling investments at a loss when the market dips. This buffer can help you ride out volatility and keep your retirement portfolio intact for the long term.Part of a Roth Conversion Strategy
If you're planning to convert traditional IRA funds to a Roth IRA, you'll owe taxes on the amount converted. Instead of withdrawing money from your retirement accounts to cover these taxes—which could push you into a higher tax bracket—consider using home equity. You'll keep your retirement savings intact and potentially save taxes.Portfolio Rebalancing
You want to rebalance your portfolio to maintain your asset allocation* but don't want to sell while the markets are down. By accessing your home equity, you can make that shift without disrupting your portfolio or incurring taxes on withdrawals.Investments Opportunities
You have an opportunity to buy an attractive investment and have a current investment that's in a tailspin. Selling now would result in a short-term capital gain for tax purposes. Using home equity might allow you to hold onto the current investment until you've owned it long enough to realize a more favorable long-term capital loss when you sell it.Approach with Caution
If you're not careful, tapping into home equity could lead to financial strain later. Talk with your trusted professional to determine a strategy that aligns with your overall financial goals.*Rebalancing a portfolio may create a taxable event if done outside of a retirement account. And asset allocation won't guarantee a profit or ensure against a loss but may help reduce volatility in your portfolio.
**Converting a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax-free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59-1/2 or due to death, disability, or a first-time home purchase (up to a $ 10,000-lifetime maximum). Roth IRA distributions may be subject to state taxes.
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Adan H. Diaz and Bryce McLeish offer products and services using the following business names: FRESCO Financial Advisers – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with FRESCO Financial Advisers. The information you provide us is the basis for the recommendations we make to help you meet your unique financial goals and objectives. If you experience a change in your financial situation or investment objectives, or if you wish to modify or add any restrictions concerning the management of your account, please contact us. Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
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