Is a Reverse Mortgage Right for You? with Cheryl Scheidell

Protecting Your Home, Your Family & Your Future: Insurance Matters More Than You Think

Your home is likely one of your biggest investments—but are you truly protected?

This week, Cheryl Scheidell welcomes identical twin sisters Stephanie Schaffroth and April Schaffroth, local Farmers Insurance Agency Owners and trusted insurance advisors.

Stephanie has been serving families and business owners since 2004, while April has been helping clients protect what matters most since 2008. Together, they believe in educating—not selling—and helping people understand the difference between simply having insurance and being properly insured.

In this episode you'll learn:

• When a vacant home needs a different insurance policy
• Why simply filing a claim—even with no payout—can affect your insurance history
• The one insurance policy many people wait too long to purchase
• The one question every homeowner should ask their insurance agent this week
• Why "full coverage" doesn't always mean you're fully protected
• Why flood insurance is not automatically included in most homeowners policies
• Why your insurance agent should know about newly purchased jewelry and valuables
• Why renters insurance is important—even if you're renting temporarily

About Today's Guests

Stephanie and April Schaffroth are local Farmers Insurance Agency Owners dedicated to helping individuals, families, and business owners identify coverage gaps, eliminate unnecessary overlaps, and make informed decisions about protecting their homes, vehicles, businesses, and loved ones.

Their mission is simple: Educate first. Protect always.

Contact Today's Guests

Stephanie Schaffroth
Agency Owner – Farmers Insurance

34225 N. 27th Drive, Suite 112
Phoenix, AZ 85085

Office: (480) 483-6221
Fax: (480) 922-7280
Email: [email protected]

Website: www.bestazinsurance.com

April Schaffroth
Agency Owner – Farmers Insurance

34225 N. 27th Drive, Suite 112
Phoenix, AZ 85085

Office: (602) 297-5155
Fax: (480) 922-7280
Email: [email protected]

Website: www.insuranceinaz.com

About Your Host

Cheryl Scheidell   NMLS#886425
Reverse Mortgage Specialist
Barrett Financial Group

Helping homeowners 55+ understand how home equity can become a powerful retirement resource.

Contact Cheryl:

Phone: 480-817-4324

Website: ReverseMortgageAndBeyond.com

Email:  [email protected]

youtube:  @reversemortgageandbeyond

🎥 Subscribe to Cheryl's YouTube channel, @ReverseMortgageAndBeyond, for educational videos on reverse mortgages, retirement planning, Final Expense planning, interviews with trusted professionals, and practical resources to help you make informed financial decisions.

Whether you're exploring retirement options, looking to improve monthly cash flow, purchase your next home with a reverse mortgage, or simply want to learn more, Cheryl is committed to providing education first—so you can make informed decisions with confidence.

Remember: The right insurance and the right financial strategy work together to protect your home, your family, and your future.

What Every Family Should Know About Probate & Reverse Mortgages

When a loved one passes away, the family home often becomes one of the biggest decisions adult children and heirs will face. Emotions are high, important deadlines begin, and questions about probate, reverse mortgages, insurance, and selling the home can quickly become overwhelming.

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, welcomes Lydia Wietsma, Probate Realtor with NextHome Power Realty, for an informative conversation about navigating inherited homes with confidence.

Together, Cheryl and Lydia discuss the first steps families should take after the loss of a loved one, common mistakes to avoid, and how probate and reverse mortgages work together. They also explain the options available to heirs, how to protect the home's value, and why seeking professional guidance early can save families time, money, and unnecessary stress.

In This Episode

• The first things families should do after a loved one passes away.
• How to protect and secure an inherited home.
• Why legal and financial steps should come before cleaning out or repairing the property.
• Common mistakes families make during the probate process.
• How reverse mortgages are handled after the homeowner passes away.
• The importance of notifying the reverse mortgage servicer.
• Options heirs have when inheriting a home with a reverse mortgage.
• Understanding the FHA-insured reverse mortgage 95% appraised value option.
• Why reverse mortgages are non-recourse loans and what that means for families.
• How selling a home with a reverse mortgage differs from a traditional home sale.
• What buyers should know about financing, appraisals, timelines, and the closing process.
• How Cheryl and Lydia work together to help families make informed decisions during one of life's most challenging transitions.

Join Us for a Complimentary Lunch & Learn

If you're planning ahead, caring for aging parents, or simply want to understand how reverse mortgages and probate can impact your family, we'd love to have you join us for one of our educational Lunch & Learn events.

Upcoming Events

Tuesday, July 21
Total Wine – Tempe Marketplace (Rio Salado)

Tuesday, July 28
Total Wine – SanTan Village (Williams Field Road)

Complimentary lunch is provided.

Please RSVP with Cheryl to reserve your seat.

Contact Cheryl Scheidell

Cheryl Scheidell
Senior Mortgage Loan Originator | NMLS #886425
Reverse Mortgage Specialist
Barrett Financial Group, L.L.C. | NMLS #181106

Phone: 480-817-4324

Email: [email protected]

Website: ReverseMortgageAndBeyond.com

Radio Show & Podcast: Is a Reverse Mortgage Right for You?

YouTube: Reverse Mortgage and Beyond

Contact Lydia Wietsma

Lydia Wietsma
Certified Probate Realtor
NextHome Power Realty

Phone: 602-363-1720

Email: [email protected]

Website: probaterealtyhelp.com

Need Answers About an Inherited Home?

Whether you're settling a loved one's estate, facing probate, inheriting a home with a reverse mortgage, or simply planning ahead for your own family, Cheryl and Lydia are here to help.

Their combined expertise in reverse mortgages and probate real estate provides families with trusted guidance, helping them avoid costly mistakes and make informed decisions every step of the way.

Thank you for listening to Is a Reverse Mortgage Right for You? Be sure to subscribe, share this episode with family and friends, and join us again for more conversations that help you make the most of your home, your equity, and your future.

When a loved one passes away, families are often overwhelmed with grief—and suddenly faced with important decisions about the family home. If the property must go through probate or has a reverse mortgage, knowing what to do first can help avoid costly mistakes and unnecessary stress.

In this episode, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, welcomes Lydia Wietsma, Probate Realtor with NextHome Power Realty, for an informative conversation about probate, inherited homes, and reverse mortgages.

Together, Cheryl and Lydia discuss the first steps families should take after the loss of a loved one, who has the legal authority to make decisions about the property, how probate and reverse mortgages work together, and practical tips to help families protect one of their largest assets.

In This Episode

• The first steps families should take after a loved one passes away.
• Who has legal authority to make decisions about an inherited home.
• Whether mortgage payments, HOA dues, property taxes, utilities, and homeowners insurance should continue during probate.
• How probate and reverse mortgages work together.
• Why it's critical to notify the homeowners insurance company if a property becomes vacant.
• Whether a probate home can be listed for sale before probate is complete.
• What to do when mortgage balances, reverse mortgage balances, HOA fees, or property taxes continue to increase.
• Should you repair or remodel an inherited home before selling?
• Options for families who don't have the funds to clean out or repair a property.
• Why exposing a probate property to multiple buyers may produce a better outcome than accepting the first investor offer.
• Selling an inherited property "as-is."
• What families should know before accepting a cash offer.
• The top mistakes adult children should avoid immediately after losing a parent.
• Important documents families should begin gathering.
• Practical advice to help protect the estate and avoid unnecessary delays.

Upcoming Complimentary Lunch & Learns

Planning ahead can make all the difference.

Join Cheryl for one of her complimentary Lunch & Learn educational events to learn more about reverse mortgages, probate, home equity, and retirement planning.

Upcoming Dates:

Tuesday, July 21
Total Wine – Tempe Marketplace (Rio Salado)

Tuesday, July 28
Total Wine – SanTan Village (Williams Field Road)

Complimentary lunch is provided.

Please RSVP to Cheryl to reserve your seat.

Contact Cheryl Scheidell

Cheryl Scheidell
Senior Mortgage Loan Originator | NMLS #886425
Barrett Financial Group, L.L.C. | NMLS #181106

Phone: 480-817-4324

Email: [email protected]

Website: ReverseMortgageAndBeyond.com

Radio Show: "Is a Reverse Mortgage Right for You?"

YouTube: Reverse Mortgage and Beyond

Contact Lydia Wietsma

Lydia Wietsma
Probate Realtor
NextHome Power Realty

Phone: 602-363-1720

Email: [email protected]

Website: probaterealtyhelp.com

Whether you're planning ahead, helping aging parents, settling an estate, or navigating an inherited property, Cheryl and Lydia are here to help guide you through the process with education, experience, and compassionate advice.

Thank you for listening to Is a Reverse Mortgage Right for You! Be sure to subscribe so you never miss an episode.

In Part 2 of this two-part series, host Cheryl Scheidell continues her conversation with longtime friend and trusted advisor Jayson Walker of Netvest Financial. Building on the foundation from Part 1, this episode focuses on practical solutions — how families can avoid probate, protect themselves during incapacity, prevent conflict, and create a plan that provides peace of mind.

Cheryl opens with a refresher on probate and why it can be stressful, expensive, and public. From there, Jayson walks listeners through trust planning, legal tools for living protection, and how proactive planning keeps families out of court and out of crisis.

🧠 Topics Covered in Part 2

• A brief refresher on what probate is and why many families want to avoid it
• How a trust helps protect privacy and avoid costly probate proceedings
• Whether you can avoid probate without a trust
• What happens when someone becomes incapacitated without the right documents
• The key legal documents that help prevent guardianship or conservatorship
• How planning reduces stress and confusion for adult children
• How to prevent family conflict when it comes to inheritance or legacy
• Practical first steps listeners can take to begin or update their own estate plan

🎧 Why This Episode Matters

Too many families are forced into stressful decisions under pressure and with uncertainty. This episode empowers you to think ahead, prepare wisely, and protect what matters most — your relationships, your legacy, and your peace of mind.

📞 Questions About Your Own Plan?

If you’d like help understanding how estate planning, retirement strategies, and housing decisions — including reverse mortgages — fit together, reach out:

Cheryl Scheidell
📱 480-817-4324
🌐 reversemortgageandbeyond.com
📧 [email protected]

Jayson Walker, Netvest Financial
📱 602-230-8222
🏢 9059 E. Bahia Drive, Suite 100
  Scottsdale, AZ 85260

🍷 UPCOMING EDUCATIONAL LUNCH & LEARN

📍 Total Wine - July 21, 2026
🕦 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 session focusing on estate planning, probate, real estate insights, and retirement strategy.

📞 RSVP: 480-817-4324
📧 [email protected]

Is a Reverse Mortgage Right for You?

Guest: Seth Leibsohn
Host: Cheryl Scheidell, Reverse Mortgage Specialist, Barrett Financial Group

Reverse mortgages are one of the most misunderstood financial tools available to seniors today. In this episode, Cheryl Scheidell is joined by Seth Leibsohn for a candid, thoughtful discussion that cuts through fear, myths, and outdated information.

This episode focuses on education, consumer protection, and personal responsibility.

In this episode, we discuss:

• Why reverse mortgages developed a negative reputation

• How today’s FHA-insured reverse mortgages have changed

• The real obligations homeowners must meet

• Common myths vs. real risks

• Who should consider a reverse mortgage—and who shouldn’t

• Why informed decision-making matters more than ever

Important Disclosure:

Reverse mortgages are federally insured loans subject to eligibility requirements, financial assessment, and mandatory HUD-approved counseling. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the home. This program is not suitable for everyone.

Have questions or want personalized information?

📞 Phone: 480-817-4324
🌐 Website: ReverseMortgageAndBeyond.com
📧 Email: [email protected]

Education first. Pressure never.

🎙️ 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 overwhelming
• The biggest and most common estate planning mistakes
• Additional mistakes families make that create confusion later
• The difference between Wills and Trusts
• What probate is and why families try to avoid it
• How 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 probate
• Planning for incapacity
• Preventing family conflict and sibling disputes
• First steps to creating or updating your estate plan

Be sure to tune in in two weeks for Part 2 with Jayson Walker.

Episode Title: Avoiding the Senior Care Crisis: What Families Need to Know Before It’s Too Late

Host: Cheryl Scheidell
Guest: Greg Sarlo, Founder & CEO of EverCare

Many families don’t realize they’re in a crisis until a parent is suddenly hospitalized—and they’re told decisions must be made immediately.

In this powerful episode of Is a Reverse Mortgage Right for You?, Cheryl is joined by senior care expert Greg Sarlo, who pulls back the curtain on what really happens during hospital discharges, why families feel blindsided, and how better planning can protect both loved ones and finances.

🧠 In This Episode, You’ll Learn:

• Why hospital and rehab discharges often happen faster than families expect
• What families can say if they feel a discharge isn’t safe
• The biggest mistakes made during senior care emergencies
• How to recognize when it’s time for assisted living, memory care, or added support
• Why pre-planning before a crisis is critical
• What a senior placement advisor actually does—and how they help at no cost
• How EverCare is raising the standard for senior care navigation in Arizona
• How housing wealth and reverse mortgages can be part of a care strategy

This conversation is essential listening for seniors, adult children, caregivers, real estate professionals, and anyone who wants to avoid rushed decisions during emotional moments.

👤 About the Guest

Greg Sarlo is the Founder and CEO of EverCare, a statewide concierge senior placement and resource organization serving families throughout Arizona at no cost.

EverCare was recognized as Best of East Valley and is known for its hands-on, high-touch approach to senior care navigation. Their team includes a Registered Nurse, Master Social Worker, and ALM-licensed professional—bringing clinical insight and advocacy to complex care transitions.

🌐 Learn more:
goevercare.com

🎧 About the Host

Cheryl Scheidell educates seniors and families on housing, aging-in-place, and reverse mortgage strategies—before decisions become urgent.

📞 Phone: 480-817-4324
📧 Email: [email protected]
🌐 Website:
ReverseMortgageAndBeyond.com

The Power of Optionality: When Your Home Gives You Choices

What if your home could provide more than just a place to live? What if it could give you greater financial flexibility, more peace of mind, and more choices throughout retirement?

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, welcomes special guest and Probate Real Estate Specialist Lydia Wietsma. Rather than Cheryl leading the discussion, Lydia interviews Cheryl with many of the same questions homeowners and families ask every day.

Together, they explore how today's reverse mortgage has evolved into a valuable retirement planning strategy and why it should be considered before a financial emergency—not after.

In This Episode, You'll Learn:

• Why a reverse mortgage is no longer a "loan of last resort."
• How home equity can provide financial flexibility during retirement.
• What "liquidity without liquidation" means and why it matters.
• How a reverse mortgage can help protect retirement investments during market downturns.
• Why planning ahead provides more choices and greater peace of mind.
• How a reverse mortgage line of credit can be used as a financial safety net.
• The truth about what happens to the home when borrowers pass away.
• How heirs are protected and what options they have.
• Why education is the most important first step before making any financial decision.

Join Cheryl & Lydia at an Upcoming Complimentary Lunch & Learn!

Come enjoy a complimentary lunch while learning how reverse mortgages and probate planning can help seniors, retirees, and their families make informed financial decisions.

Upcoming Events:

📅 Monday, July 21
🕦 11:30 AM – 1:30 PM
📍 Total Wine – Rio Salado, Tempe

📅 Tuesday, July 28
🕦 11:30 AM – 1:30 PM
📍 Total Wine – SanTan Village, Gilbert

📅 Tuesday, August 11
🕦 11:30 AM – 1:00 PM
📍 Total Wine – Rio Salado, Tempe

Complimentary Lunch • Educational • No Sales Pressure

RSVP Required

Contact Cheryl Scheidell

📞 480-817-4324

📧 [email protected]

🌐 ReverseMortgageAndBeyond.com

Don't Miss Lydia Wietsma's Radio Show!

Be sure to tune in to "Solving Life's Next Chapter" with Lydia Wietsma every Sunday at 3:00 PM, where she helps families navigate probate, estate transitions, downsizing, and real estate decisions with practical advice and compassionate guidance.

About Cheryl Scheidell

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group who has helped hundreds of homeowners understand how to use their housing wealth as part of a comprehensive retirement strategy. Her mission is simple: educate first, empower second, and help clients make informed decisions that fit their individual goals.

Connect With Cheryl

📞 Phone: 480-817-4324

📧 Email: [email protected]

🌐 Website: ReverseMortgageAndBeyond.com

▶️ YouTube: Reverse Mortgage and Beyond

If you enjoyed this episode, please subscribe, leave a review, and share it with someone who could benefit from learning how today's reverse mortgage can provide greater financial flexibility, security, and peace of mind in retirement.

🎙️ Show Notes Is a Reverse Mortgage Right for You?

Host: Cheryl Scheidell
Guests:

• Lydia Wiestma
• Sheryl Keeme

Aging, housing, and financial planning are colliding faster than most families realize. In this powerful episode, host Cheryl Scheidell is joined by probate real estate expert Lydia Wiestma and housing data specialist Sheryl Keeme for a timely conversation about planning before crisis hits.

Together, they explore how legal preparation, housing decisions, and reverse mortgages can work together to support seniors, adult children, and families navigating longevity.

🏡 Reverse Mortgages as a Planning Tool

Cheryl opens the show by breaking down reverse mortgages in plain language, including:

• Reverse Mortgage Basics — how they work and who they’re designed for
• Reverse for Purchase — buying a home without a monthly mortgage payment
• 2nd Lien Reverse Mortgages — accessing equity while keeping a first mortgage

She explains why reverse mortgages are not a last resort, but rather a strategic planning option when used correctly and early.

⚖️ Legal Planning, Probate & Real Estate

Lydia Wiestma shares what she sees daily when families come to her office:

• Missing or outdated powers of attorney
• No trust or estate plan in place
• Real estate tied up in probate delays
• Heirs forced into rushed housing decisions

Lydia explains how proactive legal planning protects families, preserves assets, and prevents unnecessary court involvement.

📊 The Silver Tsunami: Aging by the Numbers

Sheryl Keeme brings perspective to the conversation with statistics that stop people in their tracks:

• Today, there are roughly 930,000 to 950,000 Americans age 86
• By 2031, that number jumps to nearly 9 million
• By 2035—just four years later—it could reach 23 million

Sheryl explains what this means for housing availability, caregiving, social services, and why families must plan earlier than previous generations.

🎯 Key Takeaways for Listeners

• Aging is predictable — crises are not
• Legal, housing, and financial planning must work together
• The family home can be part of the solution, not the problem
• Education creates options; options create peace of mind

📞 Contact Information Cheryl Scheidell — Host

Reverse Mortgage Specialist
Phone: 480-817-4324
Email: [email protected]
Website: ReverseMortgageAndBeyond.com

Lydia Wiestma — Guest

Probate & Trust Real Estate Specialist
Phone: (602) 363-1720
Email: [email protected]
Website: ProbateRealtyHelp.com

Sheryl Keeme — Guest

Housing & Demographic Data Expert
📘 You can find Sheryl Keeme on Facebook by searching her name.

🎙️ Final Thought

This episode is a reminder that the Silver Tsunami isn’t coming someday — it’s already here. Families who plan early retain control, dignity, and choice.

If today’s conversation raised questions about housing, legal planning, or reverse mortgages, the best next step is to start the conversation — before a crisis forces one.

🎙️ Show Notes Is a Reverse Mortgage Right for You?

Host: Cheryl Scheidell
Guest: Sheryl Keeme

Many homeowners approaching—or already in—retirement find themselves house-rich but cash-poor. In this episode, host Cheryl Scheidell sits down with housing and demographic expert Sheryl Keeme to discuss reverse mortgages, the realities of aging in America, and why planning conversations can no longer be postponed.

What You’ll Learn:

• The basics of reverse mortgages—and the most common myths
• How reverse mortgages can be used for income, flexibility, and long-term planning
• Why demographic shifts are reshaping housing and retirement decisions
• How education leads to better choices for seniors and families

Aging America: The Numbers Everyone Should Know

Here’s a statistic that stops people in their tracks:

• Today, there are roughly 930,000 to 950,000 Americans age 86
• By 2031, that number jumps to nearly 9 million
• By 2035—just four years later—it could reach 23 million

These numbers make one thing clear: housing, income, and planning conversations must start earlier—before families are forced into crisis decisions.

Real Estate Meets Retirement

Sheryl Keeme shares insight into how these demographic shifts affect housing inventory, senior living choices, and the growing importance of aging safely at home. Together, Cheryl and Sheryl explain how home equity—when used responsibly—can be part of a thoughtful retirement strategy.

About the Guest

Sheryl Keeme is known for translating housing and population data into real-world insight families can understand.
👉 You can find Sheryl Keeme on Facebook by searching her name.

Final Thought

A reverse mortgage isn’t for everyone—but for the right homeowner, at the right time, it can offer flexibility, stability, and peace of mind. The key is education, not pressure.

📞 Contact the Host

Cheryl Scheidell
Phone: 480-817-4324
Email: [email protected]
Website: ReverseMortgageAndBeyond.com

Many homeowners reach retirement owning a valuable home — yet still feel financial pressure month to month. In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell breaks down the facts, clears up common myths, and explains how reverse mortgages can be used strategically — or why they may not be right for everyone.

This episode is not about selling. It’s about education, clarity, and confidence.

In This Episode, You’ll Learn:

• What a reverse mortgage is — and what it is not
• Who a reverse mortgage may be right for (and who it isn’t)
• How home equity can be used to improve cash flow and peace of mind
• Why fear and misinformation stop many homeowners from exploring real options
• The most important questions to ask before making a decision

Cheryl shares real-world insights from years of experience working with homeowners who want to age in place, reduce financial stress, and make informed retirement choices.

🎙️ UPCOMING EVENT: Lunch & Learn Invitation

Cheryl also invites listeners to attend an upcoming Lunch & Learn she is co-hosting with Lydia Wietsma, Probate Realtor.

🗓 Wednesday, May 20th
⏰ 11:00 AM – 1:00 PM
📍 Total Wine & More at Scottsdale & Shea
🍽 Complimentary lunch included
👥 Limited seating – RSVP required

This is a relaxed, pressure-free educational event where you can ask questions and learn more about reverse mortgages and probate real estate.

📞 Call or text Cheryl: 480-817-4324
📧 RSVP by email: [email protected]

About Your Host

Cheryl Scheidell specializes in reverse mortgages and retirement-focused lending strategies. Her mission is to help homeowners make informed decisions using education — not pressure.

📞 480-817-4324
📧 [email protected]
🌐 reversemortgageandbeyond.com

Reverse mortgages are one of the most misunderstood financial tools available, and in this episode, Cheryl Scheidell is joined by returning guest interviewer Leia Ryan to answer the real questions homeowners ask every day.

Together, they break down the basics of reverse mortgages in plain English, explain how today's FHA-insured reverse mortgages work, and dispel many of the myths that have caused confusion for years. Whether you're planning for retirement, looking to age in place, or simply exploring your options, this episode provides valuable education to help you make informed decisions.

In This Episode You'll Learn:

• What a reverse mortgage is and how it works
• Who qualifies for a reverse mortgage
• Why homeowners continue to own their home
• How long you can remain in your home
• Why reverse mortgages aren't just for people in financial hardship
• How financially savvy retirees are using home equity as part of their retirement strategy
• Understanding the "Three Buckets" approach to retirement income planning
• The truth behind common reverse mortgage myths
• How heirs are protected through FHA's non-recourse loan feature
• The different ways borrowers can access their home equity, including:
  • Lump sum
  • Monthly income
  • Growing line of credit
  • A customized combination of options
• A real-life client success story demonstrating the value of a reverse mortgage line of credit
• How you can purchase a new home using a Reverse Mortgage for Purchase
• Proprietary reverse mortgage options available for higher-value homes
• Why education—not sales—is Cheryl's top priority when helping clients determine whether a reverse mortgage is the right fit

Featured Discussion

One of the highlights of the episode is Cheryl's explanation that a reverse mortgage is not a one-size-fits-all solution. Instead, it's a financial planning tool that can provide greater flexibility for the right homeowner at the right stage of retirement.

The conversation also explores how reverse mortgages can help homeowners:

• Eliminate required monthly mortgage payments
• Increase monthly cash flow
• Preserve retirement assets
• Stay in the home they love
• Create greater financial confidence throughout retirement

Join Cheryl at an Upcoming Lunch & Learn!

If you'd like to learn more in a relaxed, educational setting, you're invited to Cheryl's upcoming Reverse Mortgage Lunch & Learn.

Wednesday, May 20
11:00 AM – 1:00 PM

Location:
Total Wine & More
Scottsdale Road & Shea Boulevard

Enjoy a complimentary lunch while learning how today's reverse mortgages work, who may benefit, and how they can fit into a retirement income strategy.

Special guest Lydia Wietsma, Probate Realtor, will also share valuable information on probate real estate and planning.

Seating is limited, and RSVP is required.

Contact Cheryl Scheidell

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324

📧 [email protected]

🌐 ReverseMortgageAndBeyond.com

Listen Every Week

Tune in each week for Is a Reverse Mortgage Right for You?, where Cheryl Scheidell helps homeowners, families, and retirees understand today's reverse mortgage solutions through education, real-life stories, and conversations with trusted industry professionals.

Remember: The more you know, the better decisions you can make for your retirement.

🎙️ SHOW NOTES Is a Reverse Mortgage Right for You?

Host: Cheryl Scheidell, Reverse Mortgage Specialist – Barrett Financial Group
Special Guest: Leia Ryan, President of Safe Air Today

🏡 Episode Overview

Your home is more than where you live — it’s where you age, heal, and build peace of mind.

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell sits down with wellness expert Leia Ryan of Safe Air Today to explore how financial wellness and physical wellness work together to support aging in place.

With over 36 years in the health and wellness industry, Leia shares powerful insight into how the air we breathe, the water we drink, and the chemicals in our homes directly impact our immune systems and overall quality of life — especially as we age.

Cheryl also explains how a reverse mortgage can help homeowners 62 and older:

• Eliminate monthly mortgage payments
• Free up cash flow in retirement
• Pay for home and health improvements
• Stay in the home they love longer

🎧 What You’ll Learn in This Episode:

• Why indoor air quality matters more than most people realize
• Hidden dangers in everyday home environments
• What makes ActivePure air purification technology different
• Why water quality and hydration are critical to overall health
• What “chemical-free living” really means
• How LaundryPure 2.0 helps eliminate harsh detergents
• The first step to improving your home environment
• How reverse mortgages support aging in place

🌿 About Today’s Guest

Leia Ryan is President of Safe Air Today, one of the largest independent sales forces in the U.S., offering cutting-edge wellness technology developed alongside Certified Space Technologies. Leia is an international speaker, entrepreneur, and passionate advocate for healthier homes and stronger immune systems.

Contact Leia Ryan:
📞 651-380-1761
📧 [email protected]
🌐 www.safeairtoday.com

📅 Upcoming Event – Lunch & Learn

Join Cheryl in person for an educational, pressure-free conversation about reverse mortgages.

🗓 Wednesday, May 20th
⏰ 11:00 AM – 1:00 PM
📍 Total Wine & More (Scottsdale & Shea)
🍽 Lunch included
👥 Limited seating – RSVP required

📞 Call 480-817-4324
📧 RSVP: [email protected]

📞 Contact the Host

Cheryl Scheidell
Reverse Mortgage Specialist | Barrett Financial Group
📞 480-817-4324
🌐 ReverseMortgageAndBeyond.com

Education is always complimentary.

Episode Overview

Estate planning is about far more than just a will. It’s about protecting your wishes, your assets, and your loved ones—especially if you’re unable to make decisions for yourself.

In this episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Stephanie A. Bivens, a Certified Elder Law Attorney through the National Elder Law Foundation.

Together, they discuss what a complete estate plan truly includes, why Powers of Attorney are essential, and how elder law planning helps families avoid stress, delays, and court involvement during difficult times.

This episode is especially valuable for seniors, caregivers, adult children, and anyone planning to age in place.

Topics Covered in This Episode

• What a solid estate plan includes beyond just a will
• Trusts, beneficiary designations, and incapacity planning
• When to create—or update—an estate plan
• Life events that should trigger a review (retirement, health changes, remarriage, grandchildren)
• Common estate planning mistakes families make
• Risks of DIY or outdated legal documents
• Why financial Powers of Attorney are critical
• The importance of healthcare Powers of Attorney
• What happens when Powers of Attorney are missing
• The difference between an Estate Planning Attorney and an Elder Law Attorney
• Long-term care planning, asset protection, guardianship, and conservatorship
• How housing decisions and reverse mortgages should align with estate planning

Why This Episode Matters

Without proper estate planning and Powers of Attorney:

• Families may be unable to manage finances or make medical decisions
• Court involvement may be required
• Housing and financial plans can be delayed or disrupted
• Stress and conflict can arise during already emotional situations

With the right planning in place, families gain clarity, control, and peace of mind.

About the Guest

Stephanie A. Bivens, Esq.
Certified Elder Law Attorney
National Elder Law Foundation

📍 8283 N. Hayden Rd., Suite 195
Scottsdale, AZ 85258

📞 480-922-1010
📠 480-498-7455
📧 [email protected]
🌐 bivenslaw.com

Stephanie focuses on elder law, long-term care planning, asset protection, and helping families navigate aging-related legal decisions with clarity and compassion.

About the Host

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324
📧 [email protected]
🌐 ReverseMortgageAndBeyond.com

Cheryl helps homeowners understand how to strategically use home equity as part of a coordinated retirement and estate plan.

Call to Action

If you’re unsure whether your estate plan, Powers of Attorney, and housing strategy all work together, now is the time to ask questions.

📞 Call or text 480-817-4324
📧 Email [email protected]
🌐 Visit ReverseMortgageAndBeyond.com

Education is always the first step—no pressure, just clarity.

Is A Reverse Mortgage Right For You?

Host: Cheryl Scheidell
Guest: Nicole Porter, Founder of Your Parent Porter

🧰 Start with the SAFE Toolkit

If you’re unsure whether it’s time to step in or start planning, Nicole recommends beginning with the SAFE Toolkit, a practical resource designed to help families identify early warning signs, safety concerns, and next steps before a crisis occurs.
You can access it at yourparentporter.com/safe-toolkit.

Many families don’t realize there’s a problem until an emergency forces difficult decisions. In this episode of Is A Reverse Mortgage Right For You?, host Cheryl Scheidell sits down with Nicole Porter, founder of Your Parent Porter, to discuss the silent warning signs families often miss as parents age — and how proactive planning can make all the difference.

Nicole shares real-world insight into the problems families face when aging parents want to remain independent, yet subtle changes in safety, behavior, or mobility begin to appear. Together, Cheryl and Nicole explore how home assessments and walkthroughs can uncover risks early and help families create a thoughtful, supportive plan before urgent decisions are required.

🏡 In This Episode, You’ll Learn:

• The most common challenges families face as parents age
• What silent warning signs look like inside the home
• Why “everything seems fine” can be misleading
• How home walkthroughs and assessments identify safety risks
• How early planning preserves independence and peace of mind
• How a reverse mortgage, when used correctly, can help fund:
  • Home modifications
  • In-home care and support
  • Aging-in-place solutions
  • Without a required monthly mortgage payment

💡 Why This Conversation Matters:

Waiting for a crisis limits options. Planning ahead creates clarity, flexibility, and better outcomes for both seniors and their families. This episode encourages listeners to recognize early signs, ask better questions, and build a trusted support team before stress takes over.

📞 Contact Nicole Porter – Your Parent Porter

For guidance, resources, and support for aging parents and family caregivers:

🌐 Website: YourParentPorter.com
🧰 SAFE Toolkit: yourparentporter.com/safe-toolkit

📞 Contact Cheryl Scheidell

If you have questions for yourself, a spouse, or aging parents — or want to explore whether a reverse mortgage fits into a larger aging-in-place plan:

📞 Call or Text: 480-817-4324
📧 Email: [email protected]
🌐 Website: ReverseMortgageAndBeyond.com

🎧 Tune in weekly to Is A Reverse Mortgage Right For You? for expert conversations, education, and real-life solutions to help you age safely, confidently, and on your own terms.

Is a Reverse Mortgage Right for You?

Guest: Seth Leibsohn
Host: Cheryl Scheidell, Reverse Mortgage Specialist, Barrett Financial Group

Reverse mortgages are one of the most misunderstood financial tools available to seniors today. In this episode, Cheryl Scheidell is joined by Seth Leibsohn for a candid, thoughtful discussion that cuts through fear, myths, and outdated information.

This episode focuses on education, consumer protection, and personal responsibility.

In this episode, we discuss:

• Why reverse mortgages developed a negative reputation

• How today’s FHA-insured reverse mortgages have changed

• The real obligations homeowners must meet

• Common myths vs. real risks

• Who should consider a reverse mortgage—and who shouldn’t

• Why informed decision-making matters more than ever

Important Disclosure:

Reverse mortgages are federally insured loans subject to eligibility requirements, financial assessment, and mandatory HUD-approved counseling. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the home. This program is not suitable for everyone.

Have questions or want personalized information?

📞 Phone: 480-817-4324
🌐 Website: ReverseMortgageAndBeyond.com
📧 Email: [email protected]

Education first. Pressure never.

Episode Title: A Conversation with Seth Leibsohn
Host: Cheryl Scheidell
Guest: Seth Leibsohn

In this special episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell sits down with talk show host, author, and commentator Seth Leibsohn for an in-depth conversation about his career in radio, media, and public life.

Rather than discussing mortgages, this episode focuses on ideas, leadership, media responsibility, and civic engagement.

Topics Covered:

• Seth’s journey into talk radio

• Producing national radio programs

• Hosting The Seth Leibsohn Show

• His work at the Claremont Institute

• Lessons from running for public office

• Media literacy and thoughtful discourse

Host Contact Information:

📞 480-817-4324
🌐 ReverseMortgageAndBeyond.com
📧 [email protected]

Title: Is a Reverse Mortgage Right for You? – Unlock Your Home’s Equity

Description:
Join Cheryl Scheidell, reverse mortgage specialist, as she walks through:

• Reverse mortgage basics

• Benefits and myths

• Second lien and purchase options

• Eligible properties and program types (HECM, fixed vs ARM, proprietary jumbo up to $4M+)

• How your home can supplement retirement income without taxes

• Stories showing the “house as a piggy bank”