My name is Dennis Alan Keithly and I was born in Selma, California.
I am a fourth-generation California native, raised on a family farm in the Easton area, just south of Fresno. Our family cultivated raisin grapes, cotton and wheat. My father was an office manager and CPA doing taxes in the offseason. My Mom briefly worked as a high school teacher then became a stay at home Mom. We have been affiliated with Sun-Maid Growers for over a century. That background shaped my long-standing appreciation for hard work, communication, finances, stewardship and long-term planning.
Educationally I got a BS in Marketing at Fresno State, attended school in Uppsala, Sweden and international business school in The Netherlands. I went back to get an MBA at Thunderbird School of International Management, now part of Arizona State University. Education was built on 3 pillars; business marketing, language Spanish and areas of concentration in Latin America and Europe. I can communicate in 4 languages. I have studied, lived and worked in 5 countries, plus traveled to over 60 countries on 5 continents.
Professionally
I bring over 50 years of experience in consultative sales across agriculture, consumer goods, finance, industrial products, office automation and mortgage lending. I have over 20 years of mortgage lending experience with the last 13 years focused on pre and post retiree market originating Home Equity Conversion Mortgages (HECMs), more commonly known as reverse mortgages, as part of a comprehensive retirement planning, income and asset-preservation strategies.
Today Baby Boomers collectively hold an estimated $ 14 trillion in home equity, probably their largest retirement asset. The vast majority do not incorporate or consider this asset into their retirement planning. At the same time, the largest concern among retirees is the risk of outliving their savings. Properly structured, home equity can provide additional liquidity, increase cash flow, age in place and reduce portfolio strain, without requiring the sale of the family home,
A HECM may offer:
- Access to a portion of home equity without mandatory mortgage payments, which can do if they like as an option
- Optional lifetime monthly payments, similar to an annuity, or other options including funds for a certain period of time, or a combination.
- A government-insured line of credit, like a HELOC, that grows over time and cannot be frozen, or reduced due to financial market conditions.
- Flexibility to support aging in place while preserving other financial assets.
As a senior myself, I work with Baby Boomers, their family and professional advisors to evaluate whether these solutions fit within an overall financial plan.My role is educational and consultative, focused on facts, suitability and long-term outcomes.
I am based in the Fresno area. My broker, Marc Gertz, is based in the Los Angeles area to serve clients throughout California. Being part of e Mortgage Capital we are licensed in 46 additional states. If you would like to explore whether or not a HECM could support you or your clients retirement goals today or in the future, I welcome the conservation.
My catch all phrase is I am a senior helping other seniors age in place with dignity and grace without worrying about outliving their lifelong retirement savings.
Sincerely Yours,
Dennis A. Keithly MBA
Reverse Your Thinking Mortgage, a division of e Mortgage Capital
NMLS # 1010315 and company NMLS # 1416824
559-917-4955
310-447-5266
senioreducator@gmail.com
dkeithly@emortgagecapital.com
www.retirementfinancialoptions.com
reverseyourthinking.mortgage
