Is a Reverse Mortgage Right for You? with Cheryl Scheidell

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:cheryls@barrettfinancial.com 🌐 Website: ReverseMortgageAndBeyond.com

🎙️ 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:cheryls@barrettfinancial.com Website:ReverseMortgageAndBeyond.com Lydia Wiestma — Guest Probate & Trust Real Estate Specialist Phone: (602) 363-1720 Email:Lydia@ArizonaPowerAgent.com 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:cheryls@barrettfinancial.com Website:ReverseMortgageAndBeyond.com

SHOW NOTESIs a Reverse Mortgage Right for You? 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:Cheryls@BarrettFinancial.com 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 📧 cheryls@barrettfinancial.com 🌐 reversemortgageandbeyond.com

🎙️ 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 📧 safeairtoday@gmail.com 🌐 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: Cheryls@BarrettFinancial.com 📞 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 📧 stephanie@bivenslaw.com 🌐 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 📧 cheryls@barrettfinancial.com 🌐 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 cheryls@barrettfinancial.com 🌐 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:Cheryl.S@BarrettFinancial.com 🌐 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:cheryls@barrettfinancial.com 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 📧 cheryls@barrettfinancial.com

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”

🎙️ Is a Reverse Mortgage Right for You? Episode Title: Healthcare, Housing & Aging Well: Helping Seniors Navigate Care with Stephanie Russell Host: Cheryl Scheidell Guest: Stephanie Russell, BSN In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell speaks with nurse and senior advocate Stephanie Russell, founder of Concierge Senior Care Management. Stephanie shares how her experience as a nurse led her to create a concierge-style care management service that helps seniors and families navigate healthcare, coordinate care, and avoid unnecessary hospitalizations. She also introduces her proprietary web app, SARAH.Healthcare, designed to help families stay organized, manage important medical information, and communicate more effectively with healthcare providers. Together, Cheryl and Stephanie discuss how healthcare planning and housing decisions often go hand-in-hand, and why education and proactive planning are essential for helping seniors age safely and confidently. 🎧 In This Episode • Stephanie’s background as a nurse and senior advocate • Why she created Concierge Senior Care Management • How the SARAH web app will support seniors and families • Ways proactive care coordination can help prevent hospitalizations • The connection between healthcare planning and housing options for seniors 📞 Contact Information Cheryl Scheidell Reverse Mortgage Specialist Barrett Financial Group 📞 480-817-4324 📧 cheryls@barrettfinancial.com 🌐 reversemortgageandbeyond.com Stephanie Russell, BSN Owner – Concierge Senior Care Management, LLC Concierge Senior Care Management 📧 srussell.cscm@gmail.com 📞 Office: 480-679-4219 🌐 Concierge Senior Care Management Website

Is a Reverse Mortgage Right for You? Special Episode: Cheryl Scheidell on Spotlight on Arizona with Mark Durkin In this special episode of Is a Reverse Mortgage Right for You, host Cheryl Scheidell shares a conversation originally recorded on the radio program Spotlight on Arizona, where Mark Durkin, Station Manager, interviews Cheryl about reverse mortgages and how they can play a role in retirement planning. During the discussion, Cheryl explains the basics of reverse mortgages, addresses common misconceptions, and shares how today’s reverse mortgage programs have evolved to better protect homeowners. Listeners will learn how homeowners age 62 and older may be able to use the equity in their home to support financial flexibility in retirement. Topics Covered What a reverse mortgage is and how it works How reverse mortgages have changed over the years Common myths and misconceptions Who may benefit from a reverse mortgage How reverse mortgages can help support retirement income planning Reverse mortgages are not the right solution for everyone, but for the right homeowner they can be a valuable financial tool when properly understood and structured. About Cheryl Scheidell Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group, helping seniors and their families understand housing wealth and retirement options. Her goal is to provide clear education so homeowners can make informed decisions about their future. Contact Cheryl Cheryl Scheidell Barrett Financial Group 📞 Phone: 480-817-4324 📧 Email:cheryls@barrettfinancial.com 🌐 Website: Reversemortgageandbeyond.com If you have questions about reverse mortgages or would like to explore whether one might be right for you or a loved one, Cheryl welcomes the opportunity to talk and provide guidance.  

Wire Fraud & Real Estate: Protecting Seniors, Homeowners, and Their Life Savings Show:Is a Reverse Mortgage Right for You? Host: Cheryl Scheidell, Reverse Mortgage Specialist – Barrett Financial Group Wire fraud is one of the fastest-growing crimes in real estate today—and seniors are often the primary target. In this critical and educational episode, Cheryl Scheidell welcomes her trusted title and escrow partners from Stewart Title for an in-depth conversation about how wire fraud happens, why it’s increasing, and—most importantly—how homeowners can protect themselves before it’s too late. Joining Cheryl in the studio: Dana McDonald – Account Representative and long-time trusted partner Brianna Blodgett – Escrow Officer and wire fraud front-line expert Leslie Banes – Educator and Consumer Advocate Dana and Cheryl have worked together for over a decade, including seven years with Stewart Title, and this episode reflects real-world experience—not theory.   🎯 What You’ll Learn in This Episode What wire fraud is and how criminals impersonate title companies, lenders, and realtors Why real estate and reverse mortgage transactions are prime targets FBI and ALTA statistics showing how often fraud attempts occur Why seniors (60+) are the most targeted age group nationwide Common red flags every homeowner must recognize What to do immediately if you believe you’ve been targeted How working with experienced professionals and modern verification tools protects your funds   🚨 Why This Matters—Especially for Seniors Real estate transactions often involve tens or hundreds of thousands of dollars moving quickly under tight deadlines. Fraudsters exploit: Stress and urgency around closings Heavy reliance on email and text communication Multiple parties involved in a transaction The assumption that seniors may be less familiar with digital threats Education and verification are the strongest defenses.   ✅ Wire Fraud Safety Checklist Save this. Share this. Use it every time. BEFORE You Wire Any Money: ❌ Never trust wiring instructions sent by email or text ☎️ Always call a known, trusted phone number (not one in the email) 🔍 Verbally verify: Bank name Routing number Account number Dollar amount 🚩 Be suspicious of urgency, pressure, or last-minute changes 🔐 Do not click links or download attachments related to wiring instructions 🤝 Confirm with your Loan Officer and title company before sending funds RED FLAGS TO WATCH FOR: “Updated” wiring instructions right before closing Requests for secrecy or “confidential” action Messages that sound different, rushed, or slightly off Requests to wire to a new bank, use gift cards, cryptocurrency, or apps IF YOU’VE BEEN TARGETED: 📞 Call your bank immediately and request a wire recall 🌐 Report the incident at gov 🚔 Contact local law enforcement and the FBI 📄 Call your title company right away—time matters   🏢 Stewart Title – Contact Information For questions about wiring instructions, escrow procedures, or wire fraud prevention: Stewart Title 📞 Contact your local Stewart Title office directly 🔒 Always verify wiring instructions by phone using a trusted number you already have   📞 Cheryl Scheidell – Contact Information If you have questions about: Reverse mortgages Refinancing Protecting your home equity Or whether a reverse mortgage is right for you   Cheryl Scheidell Reverse Mortgage Specialist | Barrett Financial Group 📱 480-817-4324 📧 cheryls@barrettfinancial.com 🌐 ReverseMortgageAndBeyond.com  

In this special two-part series, host Cheryl Scheidell welcomes Rita Davenport, internationally recognized Hall of Fame Speaker, bestselling author, and “Hope Dealer.” From humble beginnings to leading a billion-dollar organization, Rita shares powerful lessons on resilience, leadership, humor, and navigating life’s transitions with confidence and clarity. Listeners will gain inspiration, practical wisdom, and encouragement for their own next chapter—financially and personally. 📞 Contact Cheryl: 480-817-4324 🌐 Website: ReverseMortgageAndBeyond.com

Is a Reverse Mortgage Right for You? Special Guest: Rita Davenport Host: Cheryl Scheidell In this powerful two-part episode of Is a Reverse Mortgage Right for You?, host Cheryl Scheidell welcomes internationally acclaimed speaker, bestselling author, and “Hope Dealer,” Rita Davenport. From growing up in poverty to becoming one of the top 1% of paid professional speakers in the world, Rita shares her extraordinary journey of resilience, reinvention, and leadership. A Hall of Fame Speaker, former President of a billion-dollar organization, and frequent national media guest, Rita brings wisdom, humor, and heart to every conversation. Listeners will hear inspiring stories, practical life lessons, and candid insights on: Navigating life’s transitions with confidence Reinventing yourself at any age or stage Leadership, legacy, and purpose Finding humor and hope—even during uncertainty What the “next chapter” can truly look like Rita also discusses her bestselling book, Funny Side Up, and why laughter, mindset, and perspective matter—especially during financial or life changes. This episode is about more than mortgages—it’s about choice, clarity, and living with intention. 📞 Questions about your next chapter? Contact Cheryl Scheidell at 480-817-4324 🌐 Learn more: ReverseMortgageAndBeyond.com

🎙️Is A Reverse Mortgage Right For You? New Year • Health • Wellness • Financial Freedom Host: Cheryl Scheidell Reverse Mortgage Specialist | Barrett Financial Group As we step into a new year, many people focus on improving their health, increasing energy, and reducing stress. On this New Year–focused episode of Is A Reverse Mortgage Right For You?, host Cheryl Scheidell highlights the powerful connection between financial wellness and overall well-being. 🌟 Featured Guests & Topics 💧 Dana Kupper — Owner, Prime IV Dana discusses how IV hydration and vitamin therapy can support: Energy levels Immune health Hydration Overall wellness at any age She shares how proactive wellness choices can improve how we feel physically — which often impacts motivation, mindset, and quality of life. 📍 Contact Dana Kupper / Prime IV 🌐 Website: PrimeIVHydration.com 📞 Phone: 602-975-4918   💪 Daniel Boone — Owner, HB Wellness Daniel breaks down the fundamentals of nutrition and strength, including: Why protein is essential at all ages — especially as we get older The benefits of creatine for older adults Why hemp seed is a powerful addition to protein shakes How resistance training and weightlifting support longevity, strength, and independence This segment provides clear, actionable advice and cuts through common fitness and nutrition myths. 📍 Contact Daniel Boone / HB Wellness 🌐 Website: HBWellnessSmoothies.com 📞 Phone: 480-513-8495   🌿 Britney Singleton — Founder, Living Gracefully Britney shares her holistic approach to aging well — physically, emotionally, and mentally. She explains: The mission behind Living Gracefully and who they serve The importance of emotional health and mindset as we age Safe, effective ways to stay active while reducing the risk of injury Her message reinforces that aging well is about education, support, and empowerment — not fear. 📍 Contact Britney Singleton / Living Gracefully 🌐 Website: Living-Grace.com 📞 Phone: 480-200-2351   💰 Financial Wellness & the New Year This episode also highlights how financial stress can directly impact health, sleep, and overall quality of life. While a reverse mortgage isn’t right for everyone, for the right homeowner it can: Eliminate a monthly mortgage payment Provide flexibility in retirement Support aging in place Help fund wellness, care, and lifestyle goals Education is key — and that’s the heart of this show.   📞 Learn More About Reverse Mortgages If you’d like to learn more about reverse mortgage basics, understand common myths, or explore whether a reverse mortgage might support your goals: 🌐 Visit: ReverseMortgageAndBeyond.com 📞 Call Cheryl Scheidell:480-817-4324 🎧 Join us every week on Is A Reverse Mortgage Right For You? — where we share real conversations, real education, and real solutions to help you live well, age confidently, and move forward with peace of mind.      

Air Date: 12-14-25

Episode Title: “Reverse Mortgage Success Stories: Switching Lenders & Buying Payment-Free Homes” Description: In this episode, Cheryl Scheidell dives into the basics of reverse mortgages, busts common myths, and explains how seniors can purchase a home using a reverse mortgage. Hear two inspiring testimonials: one from a daughter who called after hearing our promo to help her mom switch lenders, and another from a veteran who purchased a home and now lives completely payment-free. Sponsored by Betty Pecha, A&M Futures, helping families create financial freedom and independence. Contact Info: Cheryl Scheidell – 480-817-4324 | cheryls@barrettfinancial.com  reversemortgageandbeyond.com Sponsor: Betty Pecha – 602-524-9230 | amfutures.com  

Welcome to Reverse Mortgage and Beyond with your host, Cheryl Scheidell, where we bring you real conversations, expert insights, and resources to help seniors make empowered financial and lifestyle decisions. In this episode, Is a Reverse Mortgage Right for You? She’s joined by Shauna and Matt Schmeisser — the Husband-and-Wife Team Behind My Swan Song. Shauna Schmeisser is the owner and estate planning attorney of Schmeisser Law, PLLC, where she helps families plan for the future and understand the importance of legacy planning.  Her husband, Matt Schmeisser, is the software developer behind My Swan Song, a heartfelt app that helps people capture their stories, memories, and messages for loved ones. Together, this husband-and-wife duo blend law, technology, and heart — making it easier for families to preserve what truly matters. They recently joined my radio show for an interview to share their insights on legacy planning, the inspiration behind My Swan Song, and how technology can help bridge generations. Download My Swan Song today on the App Store and Google Play and start creating your lasting digital legacy, or visit www.myswansong.com  You can Reach out to Shauna by visiting her website at www.schmeisser.law 

Welcome to Reverse Mortgage and Beyond with your host, Cheryl Scheidell, where we bring you real conversations, expert insights, and resources to help seniors make empowered financial and lifestyle decisions. In this episode, Is a Reverse Mortgage Right for You? Cheryl’s joined by Shauna and Matt Schmeisser — the Husband-and-Wife Team Behind My Swan Song. Shauna Schmeisser is the owner and estate planning attorney of Schmeisser Law, PLLC, where she helps families plan for the future and understand the importance of legacy planning.  Her husband, Matt Schmeisser, is the software developer behind My Swan Song, a heartfelt app that helps people capture their stories, memories, and messages for loved ones. Together, this husband-and-wife duo blend law, technology, and heart — making it easier for families to preserve what truly matters. They recently joined my radio show for an interview to share their insights on legacy planning, the inspiration behind My Swan Song, and how technology can help bridge generations. Download My Swan Song today on the App Store and Google Play and start creating your lasting digital legacy, or visit www.myswansong.com  You can Reach out to Shauna by visiting her website at www.schmeisser.law 

Air Date: 10-26-25 

This week on “Is a Reverse Mortgage Right for You?”, host Cheryl Scheidell welcomes a truly special guest and longtime friend — Mark Victor Hansen, the legendary co-creator of the Chicken Soup for the Soul series. Cheryl and Mark first shared the stage together in the Bahamas back in the 1990s, and now they reconnect to talk about Mark’s latest ventures, his passion for inspiring others, and how mindset and abundance play a role in achieving financial peace in retirement. Together, they explore powerful insights on living with purpose, gratitude, and confidence — and how tools like reverse mortgages can help seniors create stability and freedom in their golden years. It’s an uplifting, heart-centered conversation filled with wisdom, laughter, and a renewed sense of possibility. 🎙️ Tune in Sunday at 3:30 PM on AM 960 The Patriot or visit ReverseMortgageAndBeyond.com for more information.   AirDate: 10-19-25

This week on AM 960 The Patriot, Is a Reverse Mortgage Right for You?  This episode we're diving into a variety of important topics.....we're bringing together a panel of compassionate experts who know the real-life impact of these decisions. Our guests include: 🔹 Joseph Furtado from Mulberry Health, a trusted mobile medical service provider helping seniors stay healthy and independent at home 🔹 Cheryl Hemerson from Elements of Elder Care, offering insights from the frontlines of hospice and end-of-life care 🔹 Felicia Campos from Red Mountain Funeral Home, bringing a thoughtful perspective on planning ahead with dignity and peace of mind Together, we’ll explore how reverse mortgages can fit into the broader picture of elder care, health services, and financial planning. It’s a thoughtful, informative conversation that empowers you to make wise decisions for yourself or your loved ones. Tune in to AM 960 The Patriot—this is one you won’t want to miss.

Exclusive and inspiring interview with world-renowned sales trainer Mr. Tom Hopkins, author of the sales classic How to Master the Art of Selling. In this compelling conversation, Mr. Hopkins shares powerful insights from his legendary career, revealing the timeless principles that have helped millions of professionals around the world succeed in the art—and heart—of selling. We’ll explore how storytelling plays a pivotal role in building trust and closing sales, and how authentic communication can transform not just your business, but your life. With humor, wisdom, and real-world examples, Mr. Hopkins delivers an insightful message about the mindset of a true sales professional and what it takes to thrive in today's competitive world. Whether you're in sales, leadership, or simply looking to sharpen your communication skills, this is a must-listen episode packed with practical takeaways and motivational stories.

On this episode of AM 960 The Patriot, we welcome special guest DJ Barton, a passionate advocate for smarter, more affordable energy solutions. DJ breaks down the powerful new technology called the DAC System – Demand Automation Computer—and how it’s helping households and businesses immediately reduce their energy bills. Discover how the DAC system works to automatically manage and optimize your energy usage, especially during peak times when rates skyrocket. DJ explains how this user-friendly technology communicates with your existing electrical setup, helping you take control of your power consumption without changing your lifestyle. The best part? Many users are seeing savings as early as their next electric bill. If you’re tired of rising utility costs and want real solutions that work now—not later—this is a conversation you can’t afford to miss. Tune in to AM 960 The Patriot and learn how to make your energy bill work for you!

Griswold Home Care with Cheryl Scheidell Griswold has 40+ years of national trust, with local, community-based care. We prioritize caregiver matching, oversight, and client-first service. Why is it important to think about home care and aging in place before you actually need it? Planning, Choosing, or Crisis – most families wait until their hair is on fire. • Arizona has one of the fastest-growing senior populations in the U.S. • Griswold specializes in stepping in quickly during a crisis, but planning ahead gives families choice and peace of mind. Private arrangements may seem less expensive, but risks are high – no coverage, no insurance, no training, no backup. Griswold offers trained, insured, supervised caregivers with guaranteed backup. Private hires may save a little upfront, but the long-term costs and risks are far greater. Home care is like insurance – better to have it in place before you need it. Early relationships build trust and guarantee support.  

Is a Reverse Mortgage Right for You? Special Episode: Cheryl Scheidell on Spotlight on Arizona with Mark Durkin In this special episode of Is a Reverse Mortgage Right for You, host Cheryl Scheidell shares a conversation originally recorded on the radio program Spotlight on Arizona, where Mark Durkin, Station Manager, interviews Cheryl about reverse mortgages and how they can play a role in retirement planning. During the discussion, Cheryl explains the basics of reverse mortgages, addresses common misconceptions, and shares how today’s reverse mortgage programs have evolved to better protect homeowners. Listeners will learn how homeowners age 62 and older may be able to use the equity in their home to support financial flexibility in retirement. Topics Covered What a reverse mortgage is and how it works How reverse mortgages have changed over the years Common myths and misconceptions Who may benefit from a reverse mortgage How reverse mortgages can help support retirement income planning Reverse mortgages are not the right solution for everyone, but for the right homeowner they can be a valuable financial tool when properly understood and structured. About Cheryl Scheidell Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group, helping seniors and their families understand housing wealth and retirement options. Her goal is to provide clear education so homeowners can make informed decisions about their future. Contact Cheryl Cheryl Scheidell Barrett Financial Group 📞 Phone: 480-817-4324 📧 Email:cheryls@barrettfinancial.com 🌐 Website: Reversemortgageandbeyond.com

In this episode, we're going to speak with Lin Sue Flood Director of Community Engagement for Arizona's leading Hospice - Hospice of the Valley... We'll discuss the misconceptions with Hospice, what it is, who pays, how soon to choose Hospice & Why Non-Profit matters....Their White Dove Thrift Stores, Pet Therapy and Saluting our Veterans.  I hope you enjoy.