Buying a New Home in Retirement: Cash, Mortgage or Something Else?

Today’s Smart Money Question:

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Buying a new home in or near retirement can look straightforward until you start weighing taxes, investments, cash flow, and what happens before the old house sells. Matt walks through two recent client scenarios that show why the best answer can look very different from one person to the next. The key is to look at the entire financial situation before deciding how to fund the move.

Here’s some of what we discuss in this episode:

🧾 Tax Impact: Considering capital gains, IRA taxes, and Medicare surcharges

🔄 Buy Before Sell: Planning for the gap between purchasing and selling

📍 Relocation: Evaluating affordability before making a move

🏘️ Rental Option: Deciding whether keeping the old home makes sense

🔁 Reverse Mortgage: Exploring another way to preserve investable assets

If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.