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Tools for financial security in later life

Use these resources to help older adults and their caregivers navigate some of the important decisions that can affect later-life financial security.

Planning for later-life financial security

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Leaving your home to children or heirs

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Making housing decisions after losing a spouse or partner

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Making housing decisions when your health changes

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All languages

Using home equity to meet financial needs

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All languages

Planning for Retirement: Before you claim 

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en español

Planning for diminished capacity and illness

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Planning for Peace of Mind: Social Security Advance Designation

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Five things to consider before you collect your Social Security benefits

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Know your financial adviser

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en español  

Pension payouts

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en español  

Managing Someone Else’s Money

View and download guides

Understanding reverse mortgages

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What is a reverse mortgage?

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Reverse Mortgage Rights & Responsibilities guide

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Considering a reverse mortgage?

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en español
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Reverse mortgages: A discussion guide

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en español

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Reverse mortgage borrowers guide to natural disasters

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en español

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What should I discuss with my housing counselor if I’m thinking about getting a reverse mortgage?

Read the explanation

en español

Understanding the costs and risks of using a reverse mortgage to delay collecting Social Security

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Managing debt

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Caregivers and nursing home debt

Know your rights

When a loved one dies and debt collectors come calling

Know your rights

How to manage health care credit cards with deferred interest rates

Read the blog

Explanation of Social Security and VA benefit protections from automatic garnishment

Read the blog

What to do if you are wrongfully billed for Medicare costs

Download the consumer advisory