Advertise on podcast: Reverse Mortgage and Beyond

In this episode of Reverse Mortgage and Beyond, host Cheryl Scheidell welcomes Jen Winter, a cybersecurity professional with over 25 years of experience helping individuals and companies stay protected in today’s digital world. Together, they dive into why seniors are often targeted by scammers, how phishing emails and phone scams really work, and what red flags to look for before clicking, answering, or responding. Jen breaks down complex cybersecurity concepts into easy-to-understand language, including why urgency is a major warning sign, how scammers “follow the money,” and how technology and AI have made fraud more convincing than ever. They also discuss:  Why freezing your credit is one of the best defenses against identity theft  The importance of strong passwords and multi-factor authentication  Common mistakes people make that expose personal and financial information  Practical steps to take immediately if you believe you’ve been compromised This episode is a must-listen for seniors, families, caregivers, and professionals who want to stay one step ahead of scams and protect their financial future. Catch Cheryl every week on her radio show: Is A Reverse Mortgage Right for You? 📻 Sundays at 3:30 PM on AM960. Host Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. Guest Jen Winter Cybersecurity & Technology Specialist (Protecting individuals and businesses through education and awareness) Reach out to Cheryl Scheidell to get in touch with Jen Winters #ReverseMortgageAndBeyond, #CyberSecurityAwareness, #SeniorScamPrevention, #ProtectYourIdentity, #AgingInPlace, #FinancialSafety, #SeniorEducation, #FraudPrevention, #RetirementPlanning, #HomeEquity Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

In this episode of Reverse Mortgage and Beyond, host Cheryl Scheidell breaks down the real truth about reverse mortgages and why today’s programs look very different than what many people remember from the past. Cheryl explains one of her favorite ways to describe home equity in retirement: you may be living inside your piggy bank. Many seniors are house-rich but cash-poor, and a reverse mortgage can provide access to that equity without a monthly mortgage payment—allowing homeowners to age in place, improve cash flow, and enjoy life now. This episode tackles the biggest myths head-on, including the misconception that the bank takes your home. Cheryl clearly explains ownership, how reverse mortgages really work, and why the lender simply holds a lien—just like a traditional mortgage. She also dives into the powerful and often misunderstood reverse mortgage for purchase, sharing how some buyers are using this strategy to purchase a home, eliminate monthly payments, and redirect their cash flow into investments or lifestyle goals. Whether you’re planning for retirement, helping aging parents, or simply want the facts without fear or pressure, this episode provides clarity, education, and real-world examples to help you make informed decisions about your home and your future. Catch Cheryl every week on her radio show: Is A Reverse Mortgage Right for You? 📻 Sundays at 3:30 PM on AM960. Host Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. #ReverseMortgage, #RetirementPlanning, #HomeEquity, #AgingInPlace, #SeniorLiving, #FinancialEducation, #ReverseMortgageMyths, #ArizonaMortgage, #WealthPlanning, #ReverseMortgageAndBeyond Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

In this episode of Reverse Mortgage and Beyond, host Cheryl Scheidell sits down with Stephanie Bivens, a Certified Elder Law Attorney through the National Elder Law Foundation, to break down what real estate planning looks like—and why waiting can create chaos for families. Together, they discuss:  Why a will alone is not enough The critical role of medical, mental health, and financial powers of attorney Common (and costly) DIY estate planning mistakes How trusts help avoid probate—and why funding them matters  What happens when families move to Arizona with out-of-state documents How estate planning and housing decisions (including reverse mortgages) must work together  Why planning early is a gift to your family, not just paperwork This episode is a must-listen for anyone aging in place, helping parents plan ahead, or wanting to avoid court involvement, conflict, and last-minute decision-making. Catch Cheryl every week on her radio show: Is A Reverse Mortgage Right for You? 📻 Sundays at 3:30 PM on AM960. Host Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. Guest Contact Information Stephanie A. Bivens, Esq. Certified Elder Law Attorney, National Elder Law Foundation 📍 Office Address: 8283 N. Hayden Rd., Suite 195 Scottsdale, AZ 85258 📞 Phone: 480-922-1010 📠 Fax: 480-498-7455 📧 Email: [email protected] 🌐 Website: Bivens Law #ReverseMortgage #EstatePlanning #ElderLaw #PowersOfAttorney #AgingInPlace #ArizonaSeniors #AvoidProbate #RetirementPlanning #CaregiverSupport #ReverseMortgageAndBeyond  Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/Texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

In this episode of Reverse Mortgage and Beyond, host Cheryl Scheidell goes solo to share her personal journey into the reverse mortgage world and explain why she is so passionate about this program. Cheryl walks listeners through the fundamentals of how reverse mortgages work, clears up long-standing misconceptions, and explains how home equity can be used strategically to support retirement, healthcare needs, and aging in place. Cheryl also shares real-life client scenarios, including: -How a reverse mortgage can eliminate monthly mortgage payments -Using home equity as a financial safety net or “living in your piggy bank” -Protecting a surviving spouse and heirs -How lines of credit grow over time -Why reverse mortgages are non-recourse loans -How seniors can use equity for healthcare, travel, debt relief, or peace of mind -This episode is designed to educate homeowners and families who may have heard outdated or incorrect information and want to understand how today’s reverse mortgage programs truly work. Catch Cheryl every week on her radio show: “Is A Reverse Mortgage Right for You?” 📻 Sundays at 3:30 PM on AM960. 📞 Contact Cheryl Scheidell  If you’d like to explore your options or simply want education tailored to your situation, Cheryl is happy to help. 📱 Phone: 480-817-4324 📧 Email: [email protected] 🌐 Website: https://www.reversemortgageandbeyond.com⁠ ▶️ YouTube: @reversemortgageandbeyond 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. #ReverseMortgage, #ReverseMortgageEducation, #RetirementPlanning, #AgingInPlace, #HomeEquity, #SeniorHomeowners, #FinancialPeaceOfMind, #EstatePlanningBasics, #NoMonthlyMortgage, #ReverseMortgageAndBeyond  Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

In this episode of Reverse Mortgage & Beyond, host Cheryl Scheidell with Barrett Financial Group sits down with financial educator and retirement strategist Betty Pecha for an eye-opening conversation about what retirement planning really means—especially for widows, women in transition, and those facing “gray divorce.” Betty shares why having retirement accounts is not the same as having a retirement plan, how taxes and timing can dramatically impact long-term income, and why education—not fear—should drive financial decisions. Together, Cheryl and Betty explore how housing wealth, reverse mortgages, and smart financial sequencing can work alongside traditional retirement strategies to create stability, flexibility, and peace of mind. What You’ll Learn in This Episode  Why a 401(k), IRA, or pension alone does not equal a retirement plan  The difference between qualified, non-qualified, and Roth accounts—and how they’re taxed  Why “50/50” divorce settlements may not be financially equal long-term  The importance of sequencing income to reduce taxes and extend retirement funds  How Required Minimum Distributions (RMDs) can impact taxes and Social Security  Why liquidity matters—especially for healthcare, emergencies, and aging expenses  Betty’s “gardening analogy” for building a sustainable retirement income strategy  How reverse mortgages can complement—not replace—financial planning  Why having a clear plan reduces emotional decision-making during life transitions Who This Episode Is For ✔️ Pre-retirees and retirees  ✔️ Widows and women navigating financial transitions  ✔️ Seniors concerned about taxes, income, and longevity  ✔️ Families planning for healthcare and aging in place  ✔️ Anyone who wants clarity instead of confusion about retirement Cheryl Scheidell is a reverse mortgage specialist with over 20 years in the mortgage industry and more than a decade dedicated to reverse mortgages. She is passionate about educating seniors, families, and professionals on how housing wealth can be used strategically to support aging, independence, and retirement security.  Catch Cheryl every week on her radio show: “Is A Reverse Mortgage Right for You?” 📻 Sundays at 3:30 PM on AM960. Contact Cheryl Scheidell If you’d like to explore your options or simply want education tailored to your situation, Cheryl is happy to help. Reverse Mortgage Specialist | NMLS #886425  📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. About the Guest Betty Pecha is a financial educator and retirement strategist who specializes in helping people—especially women—navigate retirement with confidence. With a background in legal compliance and financial education, Betty focuses on creating clear, understandable plans that help clients make thoughtful decisions over the long term, not emotional ones in moments of stress.   Financial Educator & Retirement Strategist A&M Futures 📞 602-524-9230 📧 [email protected]  #ReverseMortgage, #RetirementPlanning, #AgingInPlace, #FinancialEducation, #WidowsSupport, #SeniorFinance, #HomeEquity, #WomenAndMoney, #RetireWithConfidence, #ReverseMortgageAndBeyond  Disclaimer: Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Special Guest: Margaret Anderson Grief and financial decisions often intersect during life’s biggest transitions — retirement, loss of a spouse, caregiving, divorce, or unexpected change. In this powerful episode, host Cheryl Scheidell sits down with grief and loss specialist Margaret Anderson to explore how healing, stability, and hope can coexist — even after profound loss. Margaret, a David Kessler–Certified Grief Educator, shares her deeply personal journey following the loss of her 23-year-old son, and how that experience led her to help others navigate both death and non-death losses with compassion, meaning, and renewed purpose. Together, Cheryl and Margaret discuss how unresolved grief can quietly block joy, decision-making, and forward momentum — and how creating emotional and financial breathing room can be life-changing. 🌱 WHAT YOU’LL LEARN IN THIS EPISODE Why there is no wrong way to grieveHow unresolved grief can impact relationships, confidence, and life choicesThe difference between “moving on” and integrating griefThe sixth stage of grief: finding meaningHow people rediscover joy and purpose after devastating lossWhy non-death losses deserve the same care and attention as deathHow financial tools like a reverse mortgage can reduce stress during life transitionsWhy education — not pressure — is key when making retirement decisions🏡 REVERSE MORTGAGE EDUCATION A reverse mortgage may help eligible homeowners: Eliminate monthly mortgage paymentsAccess tax-free proceedsIncrease monthly cash flowStay in their home while aging in placeEvery situation is unique. This show is about education, clarity, and choice — not sales. 📞 CONNECT WITH THE HOST Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] 🌐 reversemortgageandbeyond.com 💜 CONNECT WITH OUR GUEST Margaret Anderson – Grief & Loss Support Specialist 📞 480-848-1534 📧 [email protected] 🌐 TheMonarchGroup.net 📘 Facebook: Grief Coach Margaret

🎙️ Episode Overview Estate planning doesn’t have to be intimidating—and it’s not just for the wealthy. In Part 1 of this two-part series, host Cheryl Scheidell sits down with her longtime friend of over 30 years, financial advisor and estate planning specialist Jayson Walker of Netvest Financial, to break estate planning down in simple, real-world terms. This episode focuses on the foundational pieces of estate planning, common misconceptions, and the costly mistakes families often make when planning is delayed or incomplete. Cheryl and Jayson explain why estate planning is about protecting your family and your home while you’re living, not just what happens after you pass away. 🧠 Topics Covered in Part 1 What estate planning really is (and what it is not)Who needs an estate plan (hint: more people than you think)Why estate planning often feels overwhelmingThe biggest and most common estate planning mistakesAdditional mistakes families make that create confusion laterThe difference between Wills and TrustsWhat probate is and why families try to avoid itHow poor planning can lead to stress, delays, and unnecessary costs🎧 Why This Episode Matters Many families don’t realize the problems they’ve created until it’s too late—often during a health crisis or after the loss of a loved one. This episode helps listeners understand why proactive planning matters and sets the stage for Part 2, where solutions and strategies are discussed in greater detail. 📞 Have Questions About Your Own Situation? If you’re wondering how estate planning, housing decisions, and retirement strategies work together—or if a reverse mortgage might fit into your plan—help is just a phone call away. 📱 Call Cheryl Scheidell: 480-817-4324 🌐 Website: reversemortgageandbeyond.com 📧 Email: [email protected] Jayson Walker, Netvest Financial 📱 602-230-8222 🏢 9059 E. Bahia Drive, Suite 100 Scottsdale, AZ 85260   🍷 UPCOMING EDUCATIONAL EVENT – LUNCH & LEARN 📍 Total Wine 🕦 11:30 AM – 1:30 PM 🍽️ Complimentary Lunch 🎟️ Limited Seating – RSVP Required Join Cheryl Scheidell, Jayson Walker, and Lydia Wietsma, Probate Realtor with Next Home Power Realty, for an educational Lunch & Learn focused on estate planning, probate, real estate, and retirement strategies. 📞 RSVP to 480-817-4324 📧 [email protected] ▶️ Coming Up Next 📻 Part 2 of this conversation dives deeper into: How trusts help avoid probatePlanning for incapacityPreventing family conflict and sibling disputesFirst steps to creating or updating your estate planBe sure to tune in in two weeks for Part 2 with Jayson Walker.

In this episode of Reverse Mortgage and Beyond, host Cheryl Scheidell with Barrett Financial Group sits down with probate real estate specialist Lydia Wheatsma of Next Home Power Realty to break down what families really need to know about probate, trusts, beneficiary deeds, and powers of attorney—and how poor planning can cost families tens of thousands of dollars. Together, they cover:  What probate is and when it’s required  Why a will alone does not avoid probate  The critical role of trusts in protecting families and assets  When a home can be sold during probate  Who has legal authority to sign during probate (personal representative / executor)  The hidden risks of beneficiary deeds  Why outdated or incomplete Powers of Attorney can create major problems  Dementia, guardianship, conservatorship, and costly real-life examples  How proactive planning protects heirs, finances, and peace of mind This conversation is a must-listen for homeowners, adult children, seniors, and trusted advisors navigating aging, estate planning, and housing decisions. 📻 Radio Show Connection Catch Cheryl and Lydia every Sunday on AM 960 The Patriot: Solving Life’s Next Chapter with Lydia Wheatsma — 3:00–3:30 PMIs a Reverse Mortgage Right for You? with Cheryl Scheidell — 3:30–4:00 PMHost Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. Guest Contact Information Lydia Wietsma Certified Senior & Probate Real Estate Specialist 📞 Phone: 602-363-1720 📧 Email: [email protected] 🌐 Websites: ➡️ ProbateRealtyHelp.com ➡️ SolvingLifesNextChapter.com  #ReverseMortgageAndBeyond, #ReverseMortgage, #ProbateRealEstate, #EstatePlanning, #TrustsAndWills, #AgingInPlace, #SeniorPlanning, #HomeEquity, #FinancialEducation, #solvinglifesnextchapter Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

In this episode of Reverse Mortgage & Beyond, Lydia Wietsma, Certified Senior & Probate Real Estate Specialist with NextHome Power Realty, interviews Cheryl Scheidell of Barrett Financial Group. Cheryl breaks down common reverse mortgage myths and explains how homeowners must continue paying property taxes, insurance, and HOA dues—and as long as they do, they can remain in their home without a monthly mortgage payment. The conversation highlights: Reverse Mortgage for Purchase — buy a home using a reverse mortgage and supplement your funds How buyers can stretch purchasing power (“champagne taste on a beer budget”) Built-in lines of credit for future expenses Using a reverse mortgage as a second lien behind an existing low-rate mortgage Real-life uses like travel, home repairs, and in-home care This episode shows why many former skeptics become believers once they understand how reverse mortgages actually work. 📻 Radio Show Connection Catch Cheryl and Lydia every Sunday on AM 960 The Patriot: Solving Life’s Next Chapter with Lydia Wheatsma — 3:00–3:30 PMIs a Reverse Mortgage Right for You? with Cheryl Scheidell — 3:30–4:00 PMHost Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. Lydia Wietsma Certified Senior & Probate Real Estate Specialist 📞 Phone: 602-363-1720 📧 Email: [email protected] 🌐 Websites: ➡️ Probate Realty Help ➡️ Solving Life’s Next Chapter #ReverseMortgage, #AgingInPlace, #RetirementPlanning, #SeniorHomeowners, #HomeEquity, #ReverseMortgageForPurchase, #FinancialWellness, #SeniorLiving, #RealEstateEducation, #EstatePlanning  Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Proactive Aging, Home Safety & Peace of Mind with Nicole Porter Welcome to Reverse Mortgage & Beyond — the show where we go beyond the loan and talk about real-life solutions for aging well, protecting independence, and supporting families through life’s transitions. I’m your host, Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group. Each week, I bring you trusted professionals, practical guidance, and meaningful conversations to help you make confident decisions for yourself or the people you love. 🌟 Featured Guest Nicole Porter Founder of Your Parent Porter Nicole works closely with families navigating the challenges of aging—often before a crisis occurs. Through education, home walkthroughs, and proactive planning, she helps adult children and caregivers spot risks early and create safer, more supportive environments for older adults. 🏡 In This Episode, We Cover:  The real challenges families face as parents age  The silent warning signs in the home that often go unnoticed until a fall or emergency  How SAFE Home Assessments uncover safety risks and opportunities to help seniors remain independent longer  Common myths like “I’m fine” — and what families need to understand instead  Real-life stories where small changes made a big difference The first simple step families can take today instead of procrastinating Whether you’re a family caregiver, adult child, or homeowner planning ahead, this episode offers practical insights you don’t want to miss. 🔑 Key Questions Discussed:  What is Your Parent Porter, and what problem does it solve for families?  What inspired Nicole to start this work — was there a defining moment?  What are the most common hidden safety issues in aging adults’ homes?  What happens during a SAFE Home Assessment, and what outcomes families can expect?  What myths hold families back from proactive planning?  How can listeners take action before a crisis happens? Catch Cheryl every week on her radio show: Is A Reverse Mortgage Right for You? 📻 Sundays at 3:30 PM on AM960. Host Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com If you’d like to discuss your mortgage needs or learn how a reverse mortgage can support aging-in-place strategies—such as home modifications or caregiving support—I’m always happy to help Guest Contact Information Nicole Porter Founder, Your Parent Porter  🧰 SAFE Home Assessments & Family Guidance  🌐 Website: yourparentporter.com  📩 Start with the SAFE Toolkit: yourparentporter.com/safe-toolkit Cheryl Scheidell Reverse Mortgage Specialist  Barrett Financial Group  📞 Call or Text: 480-817-4324 📧 Email: [email protected] 🌐 Website: Reverse Mortgage & Beyond ▶️ YouTube: @reversemortgageandbeyond 🎧 Episode Takeaway You don’t have to wait for a fall, hospitalization, or crisis to take action. Planning ahead creates options, confidence, and peace of mind. When used thoughtfully, tools like home safety assessments and reverse mortgages can work together to support independence and long-term stability—without required monthly mortgage payments. If this episode resonated with you, please share it with someone who may need it. And be sure to tune in next time as we continue the conversation beyond the mortgage and into real-life solutions. Disclaimer: Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Special Guest- Ross Denny - Founder of the DAC system. In this episode, host Cheryl Scheidell with Barrett Financial Group sits down with Ross Denny, founder of the DAC System, a next-generation home energy solution designed to significantly reduce monthly utility costs. With rising energy bills and many seniors living on fixed incomes, this conversation focuses on practical ways to lower monthly expenses without changing your lifestyle. Ross explains what makes the DAC System different from traditional options like solar, how the technology works, and why this innovation matters now more than ever. We also explore how homeowners may be able to use a Reverse Mortgage strategy to purchase or finance homes that include energy-saving upgrades like the DAC System, helping seniors stay in their homes longer with less financial stress and more monthly breathing room. This episode is packed with insights for seniors, homeowners, advisors, and anyone curious about energy independence and smarter retirement planning. 🔍 What You’ll Learn in This Episode What the DAC System actually is — and why it’s more than just another energy upgradeHow DAC compares to traditional options like solar powerReal-world savings and how much homeowners may reduce their utility billsHow DAC technology works in simple, homeowner-friendly termsThe biggest advantage of installing the DAC SystemWhat’s next for DAC — and how listeners can get involvedHow energy-saving technology may pair with Reverse Mortgage strategies to reduce monthly retirement expenses🧠 Episode Highlights & Key Takeaways 🟦 1. What Is the DAC System? Ross breaks down: The purpose and structure of the DAC SystemHow it differs from rooftop solar and other energy solutionsWhy it may be more accessible and cost-effective for many homeowners💡 2. Savings in Today’s Environment With utility costs rising, Ross discusses: Typical savings homeowners may experienceWhat factors influence energy cost reductionsDAC as an alternative or complement to solar and efficiency upgrades⚙️ 3. How DAC Technology Works Explained in plain language: The science behind the DAC SystemHow it integrates with existing home systemsHow it reduces energy costs without complex installations🏡 4. Why This Matters for Seniors From a practical retirement perspective: How lowering utility bills can improve monthly cash flowWhy reducing household expenses is critical on fixed incomesHow energy-efficient homes can support aging in place🚀 5. What’s Next for DAC Ross shares: His vision for the future of the DAC SystemWhere the technology is headedHow homeowners, partners, and referral partners can get involved🎧 Who Should Listen Seniors looking to reduce monthly living expensesHomeowners tired of rising utility billsThose exploring alternatives to solar or major home renovationsFinancial and real estate professionals advising senior clientsAnyone interested in smart home energy technology and retirement planning📲 Connect & Learn More Interested in learning how energy-saving technology and housing wealth strategies may work together for your situation? Reach out and start the conversation. — or how a Reverse Mortgage strategy could support cash flow and long-term retirement planning — we’re here to help. Catch Cheryl every week on her radio show: Is A Reverse Mortgage Right for You? 📻 Sundays at 3:30 PM on AM960. Host Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com If you’d like to discuss your mortgage needs or learn how a reverse mortgage can support aging-in-place strategies—such as home modifications or caregiving support—I’m always happy to help   🔔 Subscribe, Share & Review If you enjoyed this episode, please subscribe to Reverse Mortgage and Beyond, share it with someone who could benefit, and leave a review. Your support helps us continue bringing valuable insights that empower seniors to live more confidently and independently in retirement. Together, we’re helping homeowners think beyond the mortgage. #ReverseMortgageAndBeyond #HomeEnergySavings #LowerUtilityBills #SmartHomeSolutions #EnergyInnovation #HomeownershipMatters #FinancialFreedomAtHome #SustainableLiving #HomeUpgradesThatPay #FutureOfEnergy

Special Guest: DJ Barton, Co-Founder of Levarti In this exciting episode of Reverse Mortgage & Beyond, Cheryl Scheidell sits down with DJ Barton of Levarti to explore how innovation in the travel and benefits space is creating new opportunities for entrepreneurs, nonprofits, influencers, and everyday travelers. DJ shares the big-picture vision behind Passport Lite, Levarti’s disruptive platform that’s being called the “Netflix of Travel.” Together, Cheryl and DJ unpack how travel, community, and revenue-sharing are coming together in powerful new ways—especially for organizations looking to increase engagement while creating meaningful income streams. ✈️ How This Connects to Retirement & Reverse Mortgages Cheryl also shares an important perspective for seniors and retirees: A Reverse Mortgage can be a powerful financial tool that allows homeowners to unlock home equity and create more freedom in retirement—including the ability to: ✈️ Take meaningful family vacations and dream trips 👨‍👩‍👧‍👦 Create lasting memories with children and grandchildren 🏡 Ease monthly financial pressure so travel becomes more possible 💛 Turn home equity into lifestyle flexibility instead of limitation When used responsibly, this strategy can help seniors live retirement not just comfortably—but fully and intentionally.   🔑 What We Cover in This Episode The vision behind Passport Lite and how it’s transforming traditional employee benefits Major pain points in today’s travel industry—and how Levarti is solving them How Passport Lite creates revenue-sharing opportunities for nonprofits, associations, and influencers What inspired DJ Barton to challenge the status quo in travel A real-life success story showing increased engagement and revenue Why Levarti is called the “Netflix of Travel” and what that means for travelers Feedback from travel advisors and affiliates inside the Levarti ecosystem How Levarti fits into the future of the global travel industry Innovations coming down the pipeline at Levarti DJ’s best advice for entrepreneurs and influencers looking to build community and income   If this episode sparked ideas for you—whether around travel, entrepreneurship, or innovative income streams—please subscribe to Reverse Mortgage & Beyond, leave us a review, and share this episode with someone who would benefit from it! 📞 Interested in Learning More About Levarti and Reverse Mortgages or Strategic Financial Planning? Catch Cheryl every week on her radio show: Is A Reverse Mortgage Right for You? 📻 Sundays at 3:30 PM on AM960. Host Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com If you’d like to discuss your mortgage needs or learn how a reverse mortgage can support aging-in-place strategies—such as home modifications or caregiving support—I’m always happy to help.. #ReverseMortgageAndBeyond #PodcastEpisode #TravelInnovation #Levarti #PassportLite #EntrepreneurMindset #IncomeStreams #CommunityBuilding #TravelIndustry #FinancialEducation Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

On this special episode of Reverse Mortgage & Beyond, Cheryl Scheidell welcomes three legendary thought leaders she’s known since the late 1990s: Rita Davenport, Tom Hopkins, and Mark Victor Hansen. Together, they share personal stories, career-defining moments, and the lessons that have guided them over decades. From life-changing affirmations to breakthrough sales strategies, and inspiring stories behind Chicken Soup for the Soul, this conversation is packed with wisdom, humor, and heart. This powerful roundtable conversation goes far beyond mortgages and money. It’s about mindset, resilience, reinvention, and the stories that shape who we become. Cheryl opens up about how Rita Davenport’s affirmation—“No matter what you say or do to me, I’m still a worthwhile person”—helped her through a difficult chapter of life and has remained a guiding principle for more than 30 years. Together, these legends share: How they met and memorable moments working togetherStories they feel called to share with the world right nowHow success and purpose evolve over timeLessons on perseverance, belief, and living intentionallyInsights that apply to life, business, and retirement planningCheryl also ties the conversation back to how home equity, when used wisely, can be a powerful part of a retirement strategy—providing peace of mind, flexibility, and choice. Also in this episode, you’ll hear: Memorable moments from Tom Hopkins’ decades of sales training and mentorshipBehind-the-scenes stories from Mark Victor Hansen’s Chicken Soup for the Soul journeyHow to reinvent yourself, overcome fear, and live a life of purpose at any agePractical insights on leveraging your home equity as part of your retirement strategyDon’t miss this inspirational, fun, and practical conversation that goes far beyond mortgages. Catch Cheryl every week on her radio show: Is A Reverse Mortgage Right for You? 📻 Sundays at 3:30 PM on AM960. Host Contact Information Cheryl Scheidell Reverse Mortgage Specialist 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. #ReverseMortgageAndBeyond,#MindsetMatters,#LegacyLiving,#RitaDavenport,#FunnySideUp,#TomHopkins,#SalesMastery,#MarkVictorHansen,#ChickenSoupForTheSoul,#MotivationalSpeakers Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Guest: Jodi Stokes, Owner of Jodi Stokes Fitness, LLC In this episode of Reverse Mortgage and Beyond, host Cheryl Scheidell welcomes Jodi Stokes, owner of Jodi Stokes Fitness, LLC, who brings over 40 years of experience helping seniors and older adults improve strength, mobility, balance, and overall quality of life. This episode is especially focused on senior health, independence, and aging well at home. As we age, maintaining strength, balance, and brain health becomes essential—not only for quality of life, but also for staying independent and safe in our own homes. Jodi shares simple, practical strategies that seniors can begin using right away to feel stronger, move more confidently, and reduce the risk of falls. 🧠 In This Episode, You’ll Learn: Five simple things seniors can start doing right now for healthier agingHow movement supports brain health, memory, and mental clarityWhy balance training is critical for fall prevention in older adultsEasy, safe exercises to improve strength, stability, and confidenceHow staying active helps seniors maintain independence and remain in their homes longerAt Reverse Mortgage and Beyond, we believe true retirement planning includes both financial security and physical well-being. For many seniors, the goal is not just to age—but to age well, safely, and independently. Catch Cheryl every week on her radio show: “Is A Reverse Mortgage Right for You?” 📻 Sundays at 3:30 PM on AM960. Contact Cheryl Scheidell If you’d like to explore your options or simply want education tailored to your situation, Cheryl is happy to help. Reverse Mortgage Specialist | NMLS #886425 📞 480-817-4324 📧 [email protected] ▶️ YouTube: @reversemortgageandbeyond 🌐 ReverseMortgageAndBeyond.com 👉 If you enjoyed this episode, please SUBSCRIBE, RATE, and REVIEW Reverse Mortgage & Beyond so more people can discover these meaningful conversations. Together, we’re helping seniors stay stronger, safer, and more independent—at every stage of aging. Jodi Stokes – Jodi Stokes Fitness, LLC 📧 [email protected] 📺 YouTube: Jodi Stokes Fitness LLC 📸 Instagram: Jodi Stokes Fitness LLC 👍 Facebook: Jodi Stokes Fitness LLC  Cheryl Scheidell | NMLS #886425 | Barrett Financial Group, LLC. | NMLS #181106 | 2701 East Insight Way, Suite 150,  Chandler, AZ 85286 | AZ 0904774 | NV 5091] OR | TX view complaint policy at barrettfinancial.com/texas-complaint. Information discussed is for educational purposes only and is not intended as legal, tax, financial, or cybersecurity advice and does not constitute a loan offer or credit decision.. Reverse mortgage programs are subject to eligibility, underwriting, and approval. Loan programs, rates, and guidelines are subject to change. Always consult with qualified professionals regarding your specific situation.  | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to  credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106