Mature homeowner has a retirement account, but the cost of living was requiring that he take out more than the mandatory distributions. This was depleting his account faster than he and his financial advisor originally planned and was exposing him to sequence of returns risk. By setting up a HECM (reverse) line-of-credit, the client is now able to lower his retirement account distributions and supplement his income with small withdrawals from his HECM line-of-credit. This strategy has increased the client’s financial longevity and his legacy (total assets he will leave his heirs) percentages.