In this episode of 62 Who Knew, Michael Banner talks with Cathy Derksen about what happens when women reach midlife after years of putting everyone else first. Cathy shares her journey from medical genetics to financial planning to publishing, and explains why this stage of life can be a powerful time to reconnect with purpose, courage, and new possibilities. From authorship to community to redefining what retirement can look like, this conversation is a strong reminder that it is never too late to start something meaningful.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

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DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

In this episode, Lindsay Friedman returns to talk about why so many families avoid long-term care planning until they are already in crisis. The conversation covers caregiver stress, the financial impact of delayed planning, and the importance of having difficult conversations early. Lindsay also shares insights on free planning tools, caregiver support resources, and the emotional realities families face when caring for aging parents.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

In Part 2, Mike Banner and John Russo turn the conversation toward affordability strategy for today’s market. They explain why repeated price cuts are often less effective than seller concessions, temporary buydowns, and other tools that directly improve the buyer’s monthly payment.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

In Part 1, Mike Banner and John Russo break down a major misconception in real estate and mortgage lending: down payment assistance is not only for low-income buyers. They explain how buyers with solid incomes can still struggle to save for down payments and closing costs, and why that reality is creating missed opportunities across the housing market.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

Michael Banner sits down with Chris Orestis, president of Retirement Genius, to discuss a financial option many policyholders overlook: selling a life insurance policy through a life settlement. They cover who may qualify, how policy reviews work, and why this strategy can help families pay for care, support aging in place, and make more informed retirement decisions.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

What happens when a long career ends before you are ready? In this episode of 62 Who Knew, Michael Banner talks with Carol Kaemmerer about navigating career inflection points in your 50s and 60s with clarity and purpose. They discuss identity beyond job titles, age bias in the workplace, the value of experience, and how to shape a new chapter around the skills and contributions that matter most.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

This advisor-focused episode connects two big retirement needs—reliable income and long-term care planning—with a third lever many households overlook: home equity. Tom Hegna outlines a simple framework for building “paychecks and playchecks,” while Dan Anderson explains how CHIFS can convert a portion of home equity into flexible liquidity—without creating new debt.

🔹 Learn more at 62WhoKnew.com

Chapters

00:00 Introduction to Financial Planning for Retirement

03:32 Understanding Annuities and Guaranteed Income

07:34 Home Equity: A Hidden Asset for Retirement

11:39 Chiefs: Converting Home Equity into Financial Success

15:07 Long-Term Care and Annuities: A Comprehensive Approach

21:06 The Importance of Professional Financial Guidance

25:45 Understanding Home Equity vs. Home Ownership

27:43 The Role of Chiefs in Financial Planning

29:49 Comparing Chiefs and Reverse Mortgages

31:13 Flexibility and Accessibility of Chiefs

33:02 Impact of Interest Rates on Real Estate

34:36 Innovative Strategies for Home Buyers

38:24 The Importance of Real Estate in the Economy

40:57 Leveraging Home Equity for Financial Growth

44:07 Building Community Awareness and Education

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

In this episode of 62 Who Knew, Michael Banner sits down with Harlan Accola, National Reverse Mortgage Director at Movement Mortgage, to challenge outdated thinking and discuss why home equity may be the most overlooked asset in retirement today.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/