Is a Reverse Mortgage Right for You?  with Cheryl Scheidell

10-18-26 -   Is a Reverse Mortgage Right for You with Cheryl from Barrett Financial

What does it really take to stay active, strong and independent as we age?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell talks with Jodi Stokes, owner of Jodi Stokes Fitness, LLC, about the importance of exercise and functional movement throughout the aging process.

Jodi brings decades of experience in fitness and wellness and has a BS in Exercise Science, a Master's in Health & Wellness, women's health training, CBT/productivity coaching experience and is the author of Water Exercise by Jodi. Her concierge fitness approach includes customized training and wellness support, including mobile and water-based exercise.

In this episode, Cheryl and Jodi discuss:
How much exercise we really need as we actively age
The best types of workouts for older adults
Functional fitness for people who are moving or downsizing
Whether you really need an hour to exercise
How to separate good fitness information from internet misinformation
Why muscle strength matters as we age
Exercise, balance and fall prevention
The benefits of water exercise
The importance of rest and recovery
How to get started if you've been inactive

Connect with Jodi Stokes

Jodi Stokes Fitness, LLC
BS Exercise Science
Master Health & Wellness
Women's Health
CBT & Productivity Coach
Author, Water Exercise by Jodi
Email:jodi@jodistokes.com
Website:https://jodistokes.com/
Facebook: Jodi Stokes Fitness
Instagram: Jodi Stokes Fitness
YouTube: Jodi Stokes Fitness

Jodi provides personalized fitness and wellness coaching, including concierge-style training designed around an individual's goals, lifestyle and abilities.

Connect with Cheryl Scheidell

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

Phone: 480-817-4324
Email:cheryls@barrettfinancial.com
Website:ReverseMortgageAndBeyond.com
YouTube:https://www.youtube.com/@ReverseMortgageandBeyond

Upcoming Lunch & Learn

Tuesday, October 13
11:30 AM – 1:30 PM
Total Wine — 1900 E. Rio Salado, Tempe, Az 85281

Reverse Mortgage and Probate — Educating Referral Partners

Join Cheryl for an educational Lunch & Learn designed for professionals who work with seniors, homeowners, families, real estate and retirement planning.

RSVP: Cheryl at 480-817-4324

For upcoming events and additional information, visit ReverseMortgageAndBeyond.com.

Disclaimer

This program is for educational purposes only and is not intended to provide financial, legal, tax, medical or investment advice. Reverse mortgage programs have eligibility requirements and costs. All loans are subject to credit approval and program guidelines. This is not a commitment to lend.

What does it really take to stay active, strong and independent as we age?
In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell talks with Jodi Stokes, owner of Jodi Stokes Fitness, LLC, about the importance of exercise and functional movement throughout the aging process.
Jodi brings decades of experience in fitness and wellness and has a BS in Exercise Science, a Master's in Health &amp; Wellness, women's health training, CBT/productivity coaching experience and is the author of Water Exercise by Jodi. Her concierge fitness approach includes customized training and wellness support, including mobile and water-based exercise.
In this episode, Cheryl and Jodi discuss:
<ul data-spread="false">
<li>How much exercise we really need as we actively age</li>
<li>The best types of workouts for older adults</li>
<li>Functional fitness for people who are moving or downsizing</li>
<li>Whether you really need an hour to exercise</li>
<li>How to separate good fitness information from internet misinformation</li>
<li>Why muscle strength matters as we age</li>
<li>Exercise, balance and fall prevention</li>
<li>The benefits of water exercise</li>
<li>The importance of rest and recovery</li>
<li>How to get started if you've been inactive</li>
</ul>
Connect with Jodi Stokes
Jodi Stokes Fitness, LLC BS Exercise Science Master Health &amp; Wellness Women's Health CBT &amp; Productivity Coach Author, Water Exercise by Jodi
<ul>
<li>Email: <a href="mailto:jodi@jodistokes.com">jodi@jodistokes.com</a></li>
<li>Website: <a href="https://jodistokes.com/">https://jodistokes.com/</a></li>
<li>Facebook: Jodi Stokes Fitness</li>
<li>Instagram: Jodi Stokes Fitness</li>
<li>YouTube: Jodi Stokes Fitness</li>
</ul>
Jodi provides personalized fitness and wellness coaching, including concierge-style training designed around an individual's goals, lifestyle and abilities.
Connect with Cheryl Scheidell
Cheryl Scheidell Reverse Mortgage Specialist / Senior Mortgage Loan Originator Barrett Financial Group, L.L.C. NMLS #181106 | Cheryl NMLS #886425
Phone: 480-817-4324 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> Website: <a href="https://reversemortgageandbeyond.com">ReverseMortgageAndBeyond.com</a> YouTube: <a href="https://www.youtube.com/@ReverseMortgageandBeyond">https://www.youtube.com/@ReverseMortgageandBeyond</a>
Upcoming Lunch &amp; Learn
Tuesday, October 13 11:30 AM &ndash; 1:30 PM Total Wine &mdash; 1900 E. Rio Salado, Tempe, Az 85281
Reverse Mortgage and Probate &mdash; Educating Referral Partners
Join Cheryl for an educational Lunch &amp; Learn designed for professionals who work with seniors, homeowners, families, real estate and retirement planning.
RSVP: Cheryl at 480-817-4324
For upcoming events and additional information, visit ReverseMortgageAndBeyond.com.
Disclaimer
This program is for educational purposes only and is not intended to provide financial, legal, tax, medical or investment advice. Reverse mortgage programs have eligibility requirements and costs. All loans are subject to credit approval and program guidelines. This is not a commitment to lend.

10-11-26 -  Move for Life: Why Strength, Balance & Exercise Matter as We Age with Jodi Stokes & Cheryl Scheidell         

Fall Prevention: Protecting Independence as We Age

In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell is joined by Lori Stauffer from the Scottsdale Department of Community Relations for an important conversation about fall prevention and aging safely.

Falls aren't simply something that "happens to old people." They can be life-changing, which makes prevention, awareness and planning important parts of maintaining independence and quality of life.

In this episode, Cheryl and Lori discuss:
Why people often don't recognize their risk of falling
Why falls are a serious issue
Safety risks in and around the home
Medical condition and medication management
Maintaining independence, self-reliance and autonomy
Quality of life and continuing to do the things you enjoy
The burden placed on family caregivers
The importance of a comprehensive assessment
Resources that may help people remain independent
Whether Independent Living or Assisted Living is appropriate
What families should consider when evaluating care options

Contact Lori Stauffer

Lori Stauffer
Scottsdale Department of Community Relations
Email:lstauffer@scottsdaleaz.gov

Contact Cheryl Scheidell

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

Phone: 480-817-4324
Email:cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com

YouTube:@reversemortgageandbeyond with Cheryl Scheidell

Important Disclaimer

This is not a commitment to lend. All loans subject to credit approval.
nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Reverse mortgage programs have specific eligibility requirements, costs and obligations. Homeowners remain responsible for property charges, including taxes, insurance, HOA dues and property maintenance.

Fall Prevention: Protecting Independence as We Age
In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell is joined by Lori Stauffer from the Scottsdale Department of Community Relations for an important conversation about fall prevention and aging safely.
Falls aren't simply something that "happens to old people." They can be life-changing, which makes prevention, awareness and planning important parts of maintaining independence and quality of life.
In this episode, Cheryl and Lori discuss:
<ul data-spread="false">
<li>Why people often don't recognize their risk of falling</li>
<li>Why falls are a serious issue</li>
<li>Safety risks in and around the home</li>
<li>Medical condition and medication management</li>
<li>Maintaining independence, self-reliance and autonomy</li>
<li>Quality of life and continuing to do the things you enjoy</li>
<li>The burden placed on family caregivers</li>
<li>The importance of a comprehensive assessment</li>
<li>Resources that may help people remain independent</li>
<li>Whether Independent Living or Assisted Living is appropriate</li>
<li>What families should consider when evaluating care options</li>
</ul>
Contact Lori Stauffer
Lori Stauffer Scottsdale Department of Community Relations Email: <a href="mailto:lstauffer@scottsdaleaz.gov">lstauffer@scottsdaleaz.gov</a>
Contact Cheryl Scheidell
Cheryl Scheidell Reverse Mortgage Specialist / Senior Mortgage Loan Originator Barrett Financial Group, L.L.C. NMLS #181106 | Cheryl NMLS #886425
Phone: 480-817-4324 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> Website: ReverseMortgageAndBeyond.com
YouTube: <a href="https://www.youtube.com/@ReverseMortgageandBeyond">@reversemortgageandbeyond with Cheryl Scheidell</a>
Important Disclaimer
This is not a commitment to lend. All loans subject to credit approval. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
Reverse mortgage programs have specific eligibility requirements, costs and obligations. Homeowners remain responsible for property charges, including taxes, insurance, HOA dues and property maintenance.

10-4-26 -   Fall Prevention: Protecting Independence as We Age with Lori Stauffer and Cheryl from Barrett Financial

Reverse Mortgages & Retirement Planning: Could Your Home Equity Be Part of the Plan?

What if your home equity could be part of the conversation when planning for retirement?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Tammy Semler, Founder and Advisor at Lighthouse Retirement Services, for a conversation from both the reverse-mortgage and financial-advisor perspectives.

Rather than looking at a reverse mortgage as a standalone mortgage product, Cheryl and Tammy discuss how home equity may fit into a homeowner's broader retirement strategy—including cash flow, liquidity, investments, and long-term goals.

In This Episode, We Discuss:

• Reverse Mortgage Basics — How a reverse mortgage differs from a traditional mortgage and what homeowners should understand about ownership and ongoing responsibilities.

• Home Equity & Retirement Cash Flow — What it can mean to be "house rich but cash flow poor" and how accessing home equity may provide additional financial flexibility.

• The "No Monthly Mortgage Payment" Question — What that phrase actually means and which housing expenses homeowners remain responsible for.

• Why Financial Advisors Should Understand Home Equity — How home equity can be considered alongside investments, Social Security, pensions, annuities and other retirement resources.

• Market Downturns & Liquidity — How having additional sources of liquidity may provide homeowners with more choices when managing retirement assets.

• Heirs & Home Equity — What families should understand about a reverse mortgage loan balance, remaining equity and repayment when the loan becomes due.

• Reverse Mortgage for Purchase — How qualifying older homeowners may use a reverse mortgage as part of the financing when purchasing a new principal residence.

• Who May Consider a Reverse Mortgage for Purchase — Downsizing, moving closer to family, relocating to a retirement community, reducing maintenance, or looking for a different way to structure the purchase of a home.

• Working With Financial Advisors — Why collaboration among the homeowner, financial advisor and reverse mortgage professional can be an important part of the conversation.

The Big Takeaway

The conversation isn't simply about asking, "How much money can I get from my home?"

It's about starting with a bigger question:

"What am I trying to accomplish in retirement?"

From eliminating an existing mortgage payment to creating additional cash-flow flexibility, establishing a line of credit, downsizing, purchasing a new home, or simply understanding available options, home equity can be an important part of the retirement conversation.

A reverse mortgage isn't right for everyone. The goal is education, understanding the numbers, and determining whether it fits an individual's circumstances and retirement goals.

Connect With Cheryl

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com
📺 YouTube: @reversemortgageandbeyond

Cheryl has been in the mortgage business since 2002 and has specialized in reverse mortgages for more than a decade.

Educational conversations. No sales pressure. Just helping you understand your options.

This program is for educational purposes only. Reverse mortgage programs have specific eligibility requirements, terms, costs and obligations. Borrowers remain responsible for property taxes, homeowners insurance, maintenance and other property-related obligations. Individual circumstances vary. This is not a commitment to lend. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender

Reverse Mortgages &amp; Retirement Planning: Could Your Home Equity Be Part of the Plan?
What if your home equity could be part of the conversation when planning for retirement?
In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Tammy Semler, Founder and Advisor at Lighthouse Retirement Services, for a conversation from both the reverse-mortgage and financial-advisor perspectives.
Rather than looking at a reverse mortgage as a standalone mortgage product, Cheryl and Tammy discuss how home equity may fit into a homeowner's broader retirement strategy&mdash;including cash flow, liquidity, investments, and long-term goals.
In This Episode, We Discuss:
&bull; Reverse Mortgage Basics &mdash; How a reverse mortgage differs from a traditional mortgage and what homeowners should understand about ownership and ongoing responsibilities.
&bull; Home Equity &amp; Retirement Cash Flow &mdash; What it can mean to be "house rich but cash flow poor" and how accessing home equity may provide additional financial flexibility.
&bull; The "No Monthly Mortgage Payment" Question &mdash; What that phrase actually means and which housing expenses homeowners remain responsible for.
&bull; Why Financial Advisors Should Understand Home Equity &mdash; How home equity can be considered alongside investments, Social Security, pensions, annuities and other retirement resources.
&bull; Market Downturns &amp; Liquidity &mdash; How having additional sources of liquidity may provide homeowners with more choices when managing retirement assets.
&bull; Heirs &amp; Home Equity &mdash; What families should understand about a reverse mortgage loan balance, remaining equity and repayment when the loan becomes due.
&bull; Reverse Mortgage for Purchase &mdash; How qualifying older homeowners may use a reverse mortgage as part of the financing when purchasing a new principal residence.
&bull; Who May Consider a Reverse Mortgage for Purchase &mdash; Downsizing, moving closer to family, relocating to a retirement community, reducing maintenance, or looking for a different way to structure the purchase of a home.
&bull; Working With Financial Advisors &mdash; Why collaboration among the homeowner, financial advisor and reverse mortgage professional can be an important part of the conversation.
The Big Takeaway
The conversation isn't simply about asking, "How much money can I get from my home?"
It's about starting with a bigger question:
"What am I trying to accomplish in retirement?"
From eliminating an existing mortgage payment to creating additional cash-flow flexibility, establishing a line of credit, downsizing, purchasing a new home, or simply understanding available options, home equity can be an important part of the retirement conversation.
A reverse mortgage isn't right for everyone. The goal is education, understanding the numbers, and determining whether it fits an individual's circumstances and retirement goals.
Connect With Cheryl
Cheryl Scheidell Reverse Mortgage Specialist Barrett Financial Group
📞 480-817-4324 📧 <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> 🌐 ReverseMortgageAndBeyond.com 📺 YouTube: @reversemortgageandbeyond
Cheryl has been in the mortgage business since 2002 and has specialized in reverse mortgages for more than a decade.
Educational conversations. No sales pressure. Just helping you understand your options.
This program is for educational purposes only. Reverse mortgage programs have specific eligibility requirements, terms, costs and obligations. Borrowers remain responsible for property taxes, homeowners insurance, maintenance and other property-related obligations. Individual circumstances vary. This is not a commitment to lend. All loans subject to credit approval.
Barrett Financial Group, L.L.C. | NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender

10-18-26 - Is a Reverse Mortgage Right for You with Cheryl from Barrett Financial

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